2 (8 oz.) pkg. cream cheese
8 oz. sour cream
1 sm. jar olives (green with pimiento or black), drained and finely chopped
1 sm. can chilies or jalapenos (for hot), drained and finely chopped
1 sm. pkg. deli sliced ham, finely chopped
1/2 c. grated cheddar cheese
1/2 c. grated white cheese
1 pkg. flour tortillas