1 lb. lean ground beef
1 onion, diced
1 (16 oz.) jar salsa (mild or medium)
1 sm. can chopped green chilies
1 can refried beans
1 1/2 c. shredded cheddar cheese
1 1/2 c. shredded Monterey Jack cheese

Brown ground beef and onion; drain well. Add salsa, chilies, refried beans; mix well. Heat thoroughly. Add cheeses. Heat through. Serve warm with tortilla chips.