2 cans refried beans with chiles
1/2 lb. ground beef, cooked and drained
12 oz. shredded Cheddar cheese
6 oz. shredded Monterey Jack cheese
1 can black olives, chopped
2 med. tomatoes, chopped

Spread refried beans in bottom of oblong casserole dish. Layer other ingredients in above order. Heat until warm throughout. Serve with nacho chips.