Three Cheese Nacho Dip - cooking recipe

Ingredients

1 cup sour cream
3 ounces cream cheese
16 ounces refried beans
1/2 cup picante sauce
2 teaspoons chili powder
1/2 teaspoon cumin
1 cup shredded shredded cheese
1 cup shredded monterey jack cheese

Preparation

Combine first 6 ingredients.
Spread half of the bean mixture in bottom of 8 inch baking dish.
Top with 1/2 of the cheese.
Repeat ending with cheese.
Bake at 350 degrees for 20 minutes.
Serve with chips.