2 cans vegetarian refried beans
1 lg. (16 oz.) sour cream
1 lg. cream cheese, softened
1 pkg. taco seasoning mix
1 jar salsa sauce
2 c. shredded Cheddar or Monterey Jack cheese
Chips

Layer refried beans on bottom. Then mix together sour cream, cream cheese and taco seasoning mix and layer on refried beans. Pour on one jar salsa then the shredded cheese.

Can be garnished with olives, lettuce and/or tomatoes. Serve with chips.