1 lb. ground beef, browned and drained
1 lg. can refried beans
1 jar salsa
1 sm. can chopped green chilies

Spread refried beans in 9 x 13 baking dish. Add ground beef. Top with salsa and chilies.

Bake 1 hour at 350°F. Add shredded cheddar or taco cheese.

Bake a few more minutes for the cheese to melt.

Serve with crackers or corn chips.