1 can refried beans
1 jar salsa
1 c. sour cream
1 sm. onion, chopped
1 c. black olives, sliced
1/2 lb. Cheddar cheese, grated
1 lg. tomatoes, chopped

Layer each ingredient in order given in large bowl or oval container. Serve with taco chips or crackers. If served warm, heat beans, cheese, and salsa before adding sour cream and vegetables. Great appetizer or party treat!