Hot Bean Dip - cooking recipe

Ingredients

1 (8 oz.) pkg. cream cheese
1 (16 oz.) can refried beans
salsa or picante sauce (8 oz. jar or to taste)
Monterey Jack cheese

Preparation

In 1 1/2-quart baking dish, layer cream cheese, beans and picante sauce.
Top with cheese.
Bake for 30 minutes at 350\u00b0. Can be microwaved until thoroughly heated.
Serve with chips.