1. 2 lg. cans refried beans
2. 1 (16 oz.) sour cream
3. 1 (8 oz.) jar picante sauce
4. 1 1/2-2 c. shredded cheese
5. 1 bunch green onions, diced
6. 1 can black olives, sliced and drained
1-2 lg. bags chips

Spread beans on bottom of 9 x 12 inch pan (2 pans) in layers - do as listed above 1 through 6. Chill and serve with chips or crackers.