1 lb. hamburger
2 (16 oz.) cans refried beans
1 jar picante sauce
1 (1 lb.) bag shredded cheese (Cheddar or Mozzarella)

Brown hamburger and drain. Mix in refried beans and spread in 9x13 cake pan. Cover with layer of picante sauce. Next put a layer of cheese and so on. Bake at 300-350 degrees for 20 minutes or until cheese is melted. Serve with tortilla chips.