1 package (1 ounce) taco seasoning mix
1 can (16 ounces) refried beans
1 package (8 ounces) cream cheese, softened
1 container (16 ounces) sour cream
1 jar (16 ounces) salsa
1 large tomato, chopped
1 green bell pepper, chopped
1 bunch scallion, chopped
1 small head of iceberg lettuce, shredded
1 can (6 ounces) sliced black olives, drained
2 cup cheddar cheese, shredded
In a medium bowl, blend the taco seasoning mix and refried beans. Spread the mixture onto a large serving platter.
Mix the sour cream and cream cheese in a medium bowl. Spread over the refried beans.
Top the layers with salsa. Place a layer of tomato, green bell pepper, green onions, and lettuce over the salsa, and top with Cheddar cheese. Garnish with black olives.