Wash beans. Soak 1 to 2 cups of beans overnight. Next day, cook beans in crock pot. Add ham (diced or in small chunks). Add 2 to 3 medium diced potatoes and 1/2 cup chopped onions. Add water for amount of soup you want.

In hot pan, brown 2 to 3 tablespoons of flour. When golden brown, move pan off burner, add warm or hot water and stir with wooden spoon until smooth. Add 1 teaspoon butter. Add to soup in crock pot. Stir. Add pepper/salt (only after tasting soup). Cook until done in crock pot on high, then low heat. Serve with crackers.