1 (30 oz.) can refried beans
1 (6 oz.) jar salsa
Chopped black olives & chives
3 chopped tomatoes
Grated cheddar cheese
1 c. sour cream
1/2 c. mayonnaise
1 pkg. taco seasoning mix

GUACAMOLE:

3 avocados
Dash of chili powder
Dash of seasoning salt
1 tsp. lemon juice

Mix guacamole ingredients all together.

Mix together sour cream, mayonnaise and taco mix. Layer above in following order in a 9"x13" pan: beans, salsa, guacamole, sour cream mixture, tomatoes, olives, chives and cheese. Serve warm or cold with tortilla chips. Heat in oven at 350 degrees until bubbly and cheese is melted.