16-oz. can refried beans

8-oz. package cream cheese

1-1/4 oz. package taco seasonings mix

1 medium tomato, chopped

1/4 cup onion, chopped

1/2 cup shredded Cheddar cheese

Garnish: sour cream

tortilla chips

Spread refried beans over the bottom of a 9" pie pan; set aside. Combine cream cheese and taco seasonings; spread over beans.

Sprinkle with tomato, onion, and Cheddar cheese; bake at 350° for 25 to 30 minutes.

Dollop with sour cream before serving; serve with tortilla chips.

Serves 6.