1 (16 oz.) can refried beans with green chilies
1 lb. ground beef, browned and drained
1 (8 oz.) jar mild taco sauce
2 c. shredded cheddar cheese
1 c. shredded Mozzarella cheese

Spread refried beans in 8x8 inch pan. Sprinkle browned ground beef over beans. Pour taco sauce evenly over all. Sprinkle with cheeses and bake at 350 degrees for 30-40 minutes.

Serve with taco chips and guacamole as desired. Complete meal with a tossed green salad.