1 cup sour cream 16 oz. can refried beans 4 oz. cream cheese softened 1 pkg taco seasoning 1 cup Mexican cheese Salsa (up to 1/4 cup of your favorite kind) optional other - jalapenos, black olives, gr onions, etc. tortilla chips

Preheat oven to 350.
Mix beans, sour cream, and cream cheese in a bowl until well combined. Add taco seasoning and salsa. Pour into 8 x 8 dish. Top with shredded cheese and bake for 25 minutes.
Serve hot with tortilla chips.