1 can bean dip
8 oz. cream cheese
8 oz. sour cream
1 tomato
1 pkg. shredded cheddar cheese
1 lb. ground beef
1 pkg. taco seasoning
1/4 c. water

Mix bean dip, cream cheese and sour cream with electric mixer. Spread in 9 x 13 inch pan. Brown ground beef; drain. Add water and taco seasoning. Mix and spread over first layer. Sprinkle with chopped tomato and shredded cheese.

Bake at 350°F only until cheese is melted. Serve with tortilla chips.