Jose's Bean Dip

1 (16 oz) can refried beans
1 cup picante sauce
1 cup (4 oz) shredded monterrey jack cheese
1 cup (4 oz) shredded cheddar cheese
2/3 cup sour cream
1 (3 oz) pkg cream cheese
1 Tbs chili powder
1/4 tsp cumin

Combine ingredients and place in crockpot. Cook at 2 hrs
on high till heated thru.