1 can (16 oz.) refried beans with green chilies
1 lb. ground beef, browned and drained
1 jar (8 oz.) mild taco sauce
2 c. shredded Cheddar cheese
1 c. shredded Mozzarella cheese

Spread refried beans in 8 x 8 inch pan. Sprinkle browned ground beef over beans. Pour taco sauce evenly over all. Sprinkle with cheeses and bake at 350 degrees for 30 to 40 minutes.

Serve with taco chips.