Delicious Mexican Chip Dip

1 16 oz can refried beans

1 8 oz pkg cream cheese

1 cup sour cream

2 Tbls Taco Seasoning Mix

Shredded Cheddar Cheese

1/2 cup black olives, chopped

1 medium tomato, chopped

1 small bunch cilantro, chopped

Heat oven to 350 degrees. Spread refried beans into a pie plate, Combine cream cheese, sour cream and taco seasoning mix. Spread over beans. Sprinkle cheddar cheese over the top. Bake 15 minutes. Top with chopped olives, tomatoes and cilantro. Serve with tortilla chips.