8 oz. cream cheese
8 oz. sour cream
1 pkg. taco seasoning
1 can refried beans or 2 cans bean dip

Whip together the above ingredients. Spread on plates.

TOPPING:

2 green peppers (diced)
2 c. Cheddar cheese (grated)
1 tomato (diced)
5 green olives, chopped

Sprinkle over plates.