2 (8 oz.) pkgs. cream cheese
1 (16 oz.) sour cream
1 can bean dip
1 pkg. taco seasoning
1 c. grated Cheddar cheese
1/2 c. grated Jack cheese

Soften cream cheese, add sour cream, mix with beater. Add bean dip, taco mix and beat on low. Put in baking dish and cover with cheese. Bake at 325 degrees for 30-45 minutes. Serve with chips.