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AMAZING Bean Dip

8 oz can refried beans
1 c salsa (mild to medium)
8 oz sour cream
3 oz cream cheese
1 c monteray jack cheese (shredded)
1 c cheddar cheese (shredded)
1/8 tsp chili powder
1/4 tsp cumin (cumino) powder,


Mix all ingredients in a crock pot until melted. Serve with tortilla chips or Fritos and extra salsa. Not EXACTLY fat free.

NOTE: You can add more chili powder and cumin to taste, or less if you're from the North.

from the kitchen of Sharon