Ingredients:

• 1 onion; chopped
• 1 lb. ground beef
• 3 cloves garlic; crushed
• 1 cup salsa; your choice of heat
• 1/2 tsp. salt
• 1/4 tsp. pepper
• 1 15-oz. can of black beans; rinsed and drained
• 1 31-oz. can refried beans
• 2 8-oz. pkgs. cream cheese; softened
• 8 oz. cheddar cheese; shredded

Instructions:

1. Preheat oven to 300.
2. Brown ground beef, chopped onions and crushed garlic. Drain fat, turn off heat.
3. Stir in salt, pepper and salsa.
4. Place meat mixture in bottom of 13x9 baking dish.
5. Layer refried beans on top of meat, black beans next and then dollops of cream cheese.
6. Sprinkle shredded cheese over all.
7. Cover with foil and bake 30-40 minutes until heated thru.

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