In a 13x9x2 inch pan, do as layers:

Bean dip
Avocado or guacamole dip
Chopped tomatoes

Mix:

1 c. sour cream
1 c. mayonnaise
1 pkg. taco seasoning

Pour over tomatoes.

Gourmet-style Cheddar cheese
Gourmet-style Monterey Jack cheese
Sliced black olives

Serve with chips.