Texas Taco Dip

1 can (16 oz) refried beans

8 oz sour cream

8 oz softened cream cheese

2 packs taco seasoning

8 oz cheddar cheese shredded

1/2 cup tomato, diced

1/2 cup black olives, sliced

1/2 cup green onions, diced

1 cup lettuce, shredded

1 bag tortilla chips

Spread an even layer of refried beans on a serving platter.  Mix sour cream and taco seasoning.  Spread sour cream mix over the layer of beans.  Top with a layer of lettuce, a layer of cheese, and a layer of diced tomatoes.  Sprinkle the top with the sliced olives and green onions.  Serve with warmed tortilla chips.