2 (8 oz.) pkgs. cream cheese, softened
1 can Frito Lay Bean Dip
1 can refried beans with jalapenos, garlic, onions and green chilies
Black olives, sliced
1 (8 oz.) jar salsa
Cheddar cheese, grated
Tortilla chips

Preheat oven to 350 degrees.

Line 9x13 pan with cream cheese.

Mix together bean dip and refried beans, then spread over cream cheese. Cover beans with black olive slices.

Pour salsa over olives and top with Cheddar cheese. Bake at 350 degrees for 30 minutes until casserole is warmed. Serve warm with tortilla chips.