Etta's Nachos Recipe

1 lb. Ground Beef
1 can Refried Beans
1 jar Taco Sauce
Cheddar Cheese
Monterey Jack Cheese
Chips

Brown beef & drain fat. Mix in beans and sauce. 
Place into an 8 ½" baking pan. 
Sprinkle cheese over the mixture. 
Cover and bake at 350° F for 10 minutes. 
Serve with chips.