1 can refried beans
1 lb. hamburger
1 sm. onion
1/2 pkg. taco seasoning mix
1 sm. jar salsa
1 c. sour cream
1 1/2 c. Mozzarella cheese
1 1/2 c. Colby cheese
Black olives (optional)
Tortilla chips

In 9 x 13 inch glass dish, spread refried beans. Brown hamburger; add onion and 1/2 package taco seasoning mix. Cook until onion is tender. Layer on top of beans; then layer salsa, sour cream, black olives (optional), and cheese. Bake at 350 degrees until hot. Serve with tortilla chips.