1 (8 oz.) can refried beans
1 sm. container sour cream
1/2 c. black olives
1/2 c. onions
1/2 c. tomatoes
1/2 c. green peppers
2 c. lettuce, shredded
1 c. Cheddar cheese
1 c. Mozzarella cheese

Spread refried beans over 8-inch cake pan. Top with layer of sour cream. Then cover chopped vegetables, top with lettuce. Spread cheese on top. Bake at 250 degrees until cheese melts and is heated through. Dip with nacho chips and salsa. May add more or less ingredients to flavor.

Makes 2 dozen servings.