1 pkg. taco seasoning, mixed with 2 c. sour cream
2 cans refried beans
1 lg. onion, chopped
3 lg. tomatoes, chopped
2 sm. cans chopped black olives
2 c. shredded cheese

Layer on pizza pan or serving tray in the following order: Refried beans, sour cream mix, tomatoes, onions, olives and cheese. Chill and serve with nacho chips.