1 (8 oz.) package cream cheese
1 can refried beans
1 can chili with or without beans
mozzarella or Cheddar cheese, shredded
sliced black olives
sliced jalapeno peppers
Directions: Layer ingredients into a 9 inch square pan. Bake in 350°F until hot and cheese is melted. Double for a 9x13 inch pan.
Notes: A very good hot Appetizers!