1 lb. ground beef
1 sm. chopped onion
1 sm. (8 oz.) can tomato sauce
1 pkg. taco seasoning
1 can refried beans
2 c. Cheddar cheese, grated
2 c. sour cream

Brown beef, onion, and taco seasoning; drain. Put in 9x13 inch pan. Mix tomato sauce and refried beans; mix well. Level this mixture over ground beef layer. Spread sour cream on top of bean layer, then top off with grated cheese. Bake 20 minutes at 350 degrees. Serve warm with taco chips.