I found this recipe (and the photo) on the Kraft Foods website. After lightening it up a bit, it’s a real winner!
1 can (15-1/2 oz.) fat-free refried black beans
1 Tbsp. chili powder
1/2 tsp. ground cumin
1 cup low-fat Sour Cream
1 cup 2% milk Shredded Cheddar Cheese
3 green onions, sliced
1/3 cup sliced black olives
1 tomato, chopped
Mix together beans, chili powder, and cumin. Spread into bottom of 9 inch pie plate. Top with layers of remaining ingredients in order given. Refrigerate several hours or until chilled.