1 c. cheddar cheese, shredded
1 c. Monterey Jack cheese, shredded
1 c. sour cream
1 (3 oz.) pkg. cream cheese, softened
1 (16 oz.) can refried beans
1/2 c. Picante sauce (mild, medium or hot)
2 tsp. chili powder
1/2 tsp. cumin

Mix shredded cheeses together. Combine sour cream, cream cheese, beans, Picante sauce, chili powder, and cumin. Mix either by hand, electric mixer or food processor. Spread half of the mixture on bottom of square baking dish and cover with half the cheese. Add remaining bean mixture and top with remaining cheese. Bake at 350 degrees for 20 minutes or until heated through. Serve with tortilla chips and guacamole salad.