Instructions:
Spread the refried beans over the bottom of a 9" pie plate.  In a small bowl combine the sour cream, mayonnaise, chili powder and cumin.  Spread this mixture over the beans.  Then sprinkle on the Cheddar, scallions, olives, tomatoes and avocados.  Chill until needed.

Chef's Note:  For easy homemade fat-free refried beans, rinse and drain your favorite canned beans and mash them with a fork or in a food processor.

Quantity: 
Makes 20 servings

Nutrition Facts:
Amount Per Serving: Calories 29
Percent Total Calories From: Fat 20%
Totals and Percent Daily Values (2000 calories): Fat 0.7g, Cholesterol 0mg,
Sodium 139mg,