2 (9 oz.) cans Frito Lay bean dip
1 c. sour cream
1/2 c. mayonnaise
1/2 pkg. taco seasoning mix
1 lg. ripe tomato, chopped
1 med. onion, chopped
2 (4 1/2 oz.) cans sliced black olives (optional)
1 (8 oz.) pkg. Monterey Jack cheese, grated

Spread bean dip in 13x9 inch pan. Mix next 3 ingredients and spread over bean dip. Layer tomato, onions, olives and cheese evenly over sour cream mix. Refrigerate. Serve with nacho chips or Fritos.