1 pkg. taco seasoning, mixed with 2 c. sour cream
2 cans refried beans
3 large tomatoes, chopped
1 large onion, chopped
2 cans (small) black olives, chopped
2 c. shredded cheese

Layer on large platter or pizza pan in following order: Refried beans, sour cream and mixture of tomatoes, onions, olives and cheese. Chill and serve with nacho chips.