1 (16 oz.) can refried beans
1 c. canned tomatoes, drained
1/2 (4 oz.) can diced green chilies
1/2 lb. Cheddar or Jack grated cheese
1/4 tsp. onion powder
1/4 tsp. salt
1/4 tsp. garlic powder (optional)

Mix together everything well in skillet and heat until cheese melts, stirring occasionally. Serve warm as a dip with crisp corn tortilla chips.