Topping:
1 lb ground beef
3/4 cup water
1 package (1.25 oz) taco seasoning mix
1 can (15 oz) refried beans
Crust:
1, 15 oz package Krusteaz Natural Honey Cornbread
  & Muffin Mix
1 egg
1 cup milk
1 tablespoon minced jalapeños
Garnish:
1 cup grated cheddar cheese
1 medium tomato, diced
1/2 cup sour cream
1/4 cup sliced black olives
salsa

Preheat oven to 375ºF. For Topping: In medium skillet, brown ground beef over medium heat. Drain. Add water and taco seasoning. Reduce heat to low and simmer 10-15 minutes. Set aside. In small saucepan, heat refried beans over medium heat, stirring often until thoroughly warmed. Set aside. For Crust: In medium bowl, blend together Krusteaz Natural Honey Cornbread & Muffin Mix, egg, milk and jalapeños. Spoon batter into lightly greased 13x9x2-inch pan. Drop spoonfuls of refried beans on top of batter; carefully spread to cover batter. Top refried beans with meat mixture. Bake 25-30 minutes. For Garnish: During the last 5 minutes of baking, top with cheddar cheese. Just before serving, top with tomato, sour cream and olives, if desired. Serve with salsa.
Makes 12, 3-inch servings.