16 oz. can refried beans
1 pkg. taco seasoning mix
8 oz. carton sour cream
1-2 tomatoes, chopped
1-2 onion, chopped
4 oz. can black olives, chopped
3 oz. can chopped chili peppers

Combine beans and seasoning mix for bottom layer.

Put remaining ingredients as layer. Top with 8 ounces Monterey Jack Cheese, grated.