1 can refried beans
1 pkg. taco seasoning
1/2 bottle hot sauce
8 oz. cream cheese
8 oz. sour cream
1 pkg. shredded Cheddar and/or Monterey Jack cheese

Mix first 5 ingredients in an oven baking dish; top with cheese. Bake 1/2 hour at 325 degrees. Serve warm with tortilla chips.

Can be made easily in microwave oven.