Touch Down Taco Dip

1 can (16 oz) refried beans
small piece of onion
1 pkg. (8 oz) cream cheese, softened
1/4 cup black olives
2 garlic cloves
1 pkg. (1.25 oz) taco seasoning mix
1/2 cup shredded cheddar cheese
1/2 cup sour cream
1 small tomato
tortilla or corn chips

Preheat oven to 375. Spread refried beans into bottom of deep dish
baker. Combine cream cheese, sour cream and taco seasoning in bowl.
Press garlic; add to cream cheese mixture. Core tomato and chop. Chop
onion and olives. Sprinkle tomato, olives and onion over cream cheese
mixture. Top with cheddar cheese. Bake 25-30 minutes or until hot.
Serve with sour cream and chips.