2 - 8 oz. pkg. cream cheese
1 - 16 oz. carton sour cream
1 - 16 oz. carton bean dip
1 pkg. taco seasoning
1 c. grated cheddar cheese

Soften cream cheese, gradually stir in sour cream. Add bean dip and taco seasoning and stir well. Put into small casserole dish and top with cheddar cheese. Cover and heat at 325°F for 30 minutes. Serve with chips.