1 (16 oz.) can refried beans
1 c. sour cream
1 (10 oz.) pkg. powder salad dressing
1 c. tomatoes, diced
1 (4 oz.) can green chilies, diced, drained
1 (2 1/4 oz.) can sliced black olives, drained
3/4 c. Cheddar cheese, shredded
3/4 c. Monterey Jack cheese, shredded
Chopped avocado (optional)

Spread beans on 10 inch serving platter. Blend sour cream and salad dressing mix; spread over beans. Layer remaining ingredients. Serve with tortilla chips.

Serves 8-10.