1 (16 oz.) can refried beans
2/3 c. salsa sauce (any type)
3/4 c. sour cream
1 c. chopped tomatoes
3/4 c. chopped black olives
1/2 c. shredded Cheddar cheese

Combine 2 tablespoons salsa sauce with refried beans and mix together.

In a separate bowl, mix sour cream with remaining salsa sauce.

Using a 9 inch pie pan, layer beans, sour cream mixture, tomatoes, olives and cheese. Serve with nacho chips.