Submitted by Betty Ward of Beallsville, OH
- 1 (8 oz.) pkg. cream cheese, softened
- 1 can refried beans
- 1 jar salsa
- 1 bag shredded cheese (your choice)
- Tortilla chips
- In an 8×8 baking dish, spread cream cheese, then refried beans, then salsa into even layers.
- Warm in a 350° oven.
- Sprinkle cheese on top and return to oven until cheese melts.
- Serve with tortilla chips.
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