| 1 can | Vegetarian refried beans |
| 1 | Container avocado dip |
| 1 cup | Sour cream |
| 4 oz. | Shredded Cheddar cheese |
| 4 oz. | Shredded Monterey Jack cheese |
| 1 cup | Chopped green onions |
| 2 | Tomatoes, chopped |
| 1 5 oz. | Can sliced black olives |
On 12 to 14 inch serving plate or platter, spread beans, about 3/8 inch thick. Carefully spread avocado dip on bean dip to within 3/4 inch of edges. Spoon sour cream on avocado dip to within 3/4 inch of previous edge.
Top with remaining ingredients, arranging in concentric circles. Cover, chill.
Serve with crackers or corn chips.