1 can refried beans
1 (8 oz.) tub of sour cream
1 pkg. taco seasoning
1 (8 oz.) jar of picante sauce, mild
2 c. cheddar cheese, grated

Place refried beans in an 8 x 9 inch serving dish. Mix sour cream and taco seasoning with a fork in a small bowl, blend thoroughly. Layer mixture on top of refried beans. Cover with picante sauce. Top with cheddar cheese. Refrigerate until serving time. Serve with chips.