Instructions: 1. Combine beans, sour cream, cream cheese, picante sauce, chili powder and cumin. Mix thoroughly by hand, electric mixer or food processor.

2. In an 8 X 8" baking dish, spread half of the bean mixture in the bottom.

Top with half of the cheeses. Repeat, ending with cheeses.

3. Bake in a preheated 350F degree oven for 20 minutes or until heated through. Serve with chips.

If you would like to email yourself the recipe for later use, or share the recipe with your friends or family, enter the email addresses below and this recipe will be emailed to you and others as well.