1 can refried beans
1 lb. ground beef (browned)
1 c. mayonnaise
1 c. sour cream
1 pkg. taco seasoning
1 c. shredded cheddar cheese
1 c. shredded Monterey Jack cheese
1 sm. sweet onion (chopped)
2 diced tomatoes
1 sm. can black olives (chopped)

Blend together mayonnaise, sour cream and taco seasoning. Layer ingredients in the order given in 8 x 8 inch cake pan or similar dish. Top with dollops of sour cream. Serve with nachos or crackers.