Per serving
This is so good! I make this for football parties all the time; usually it is the first to go. This can be made ahead of time and baked right before it's time to eat. ** this recipe works well using Recipe #176367 by Kittencal
Spread cream cheese in bottom of 8-in baking dish.
In a bowl, warm refried beans in microwave for 2-3 minutes, then spread over cream cheese.
Pour salsa over beans.
Sprinkle cheese on top.
Cover and bake 20 minutes. Remove cover and continue baking until cheese melts (about 10 minutes.).
Garnish with black olives and tomatoes. Serve with tortilla chips.
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