Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
   1      16 oz can     Rosarita refried beans
   1      cup           shredded cheddar cheese
   1      3 oz pkg      cream cheese -- softened
   1      cup           favorite picante sauce

Preparation:

Combine all ingredients in a crockpot on low heat. When cheeses are melted, stir. Serve warm with tortilla chips.