1 can refried beans

1/2 can green chiles, chopped

1 carton cream cheese

2 - 3 ripe tomatoes, chopped

Cheddar & Monterey Jack cheese, grated

Pitted olives, sliced

Pkg. of Tostitos or Doritos

Layer ingredients as follows: FIRST: beans mixed with chiles followed by sour cream. Top with tomatoes, cheese and olives. Use Tostitos or Doritos chip to dip in above.