1 can refried beans
1 sm. can green chilies, chopped
1 jar salsa
1 lb. ground beef
8 oz. Monterey Jack cheese, grated & mixed
8 oz. Colby or Cheddar cheese, grated & mixed
1 sm. onion
Green onions
1 (8 oz.) carton sour cream

Brown meat and onion; salt and pepper to taste. Spread refried beans in bottom of large baking dish. Cover with hamburger. Top with chilies. Cover that with cheese and drizzle with salsa. Bake at 400 degrees for 15 to 20 minutes or until bubbly. Remove and top with chopped green onions. Spoon on dabs of sour cream. Serve with nacho chips.