Ingredients for 1 servings:
1. 1 (1 lb) can pinto beans, rinsed and drained
2. 1/4 cup nonfat sour cream or 1/4 cup light sour cream
3. 2 -3 teaspoons chili powder
4. 1/2 teaspoon ground cumin
5. 1/2 cup shredded fat-free cheddar cheese or 1/2 cup low-fat cheddar cheese
6. 1/4 cup thinly sliced scallion
7. 1/4 cup sliced black olives
8. 2 tablespoons finely chopped jalapeno peppers

Directions:
1. Place the beans, sour cream, chil powder and cumin in a food processor or blender; process until smooth.
2. Spread the mixture over the bottom of a 9-inch glass pie pan.
3. Top with the cheese, followed by the scallions, olives and jalapenos.
4. Serve at room temperature or hot.
5. If using a microwave oven, heat on high (100 percent power) for 5 to 6 minutes or until the edges are bubbly and the cheese is melted.
6. If using a conventional oven, bake at 400 degrees for 20 minutes.
7. Serve with reduced fat tortilla chips.