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1 (8 oz.) pkg. cream cheese,
1 (8 oz.) container sour cream
1 pkg. taco seasoning
1 can refried beans
8 oz. Monterey Jack cheese,
8 oz. Cheddar cheese, shredded

Using electric mixer, mix together cream cheese, sour
cream, taco seasoning and refried beans. Spread in 9 x 9-inch
pan. Top with cheeses. Bake at 350 degrees for 20 minutes or micro-
wave on High approximately 6 to 8 minutes.

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