1 c. sour cream
1/2 c. mayonnaise
1 pkg. taco seasoning mix
1 can refried beans
3 or 4 green onions, chopped
1 tomato, chopped
1/2 to 1 can black olives
1 pkg. Cheddar cheese
1 pkg. taco chips

Combine sour cream, mayonnaise and taco seasoning. Spread refried beans in bottom of shallow pan. Spread mixture on top. Then add onions, tomato, olives and cheese. Refrigerate and serve with tortilla chips. You may use taco sauce on top, if desired.