Seven Layer Taco Dip

1 pkg. taco seasoning mix
1 can (16oz) refried beans
1 (8oz) pkg cream cheese, softened
1 (16 oz) sour cream
1 (16oz) jar salsa
1 large tomato, chopped
1 green bell pepper, chopped *optional
1 bunch green onions, chopped
1 small head of iceberg lettuce, shredded
1 (6oz) black olives, drained and sliced
2 C. shredded cheddar cheese

1. In a medium bowl, blend the taco seasoning with refried beans.  Spread the mixture into a large serving platter.
2. Mix the sour cream and cream cheese in a medium bowl.  Spread over the refried beans.
3. Top with salsa.  Place a layer of tomato, green bell peppers, green onions and lettuce.
4.  Top with cheddar cheese.
5. Garnish with black olives.

Serve with chips.