Mexican Fiesta Dip

1 large can refried beans
1 pkg. powdered taco seasoning
1/2 cup shredded colby cheese
1/2 cup shredded monterey jack cheese
1 small onion, chopped
1 green pepper, chopped
2 medium tomatoes, chopped
1 avocado, peeled and chopped
1 small can pitted black olives, sliced
Tostito chips

Mix refried beans with taco seasoning & spread on a large tray.
Layer remaining ingredients.
Serve with chips.