2 c. diced potatoes
1 c. sliced carrots
1 c. sliced celery
1/4 c. chopped onion
1 1/2 tsp. salt
1/4 tsp. pepper
1/4 c. butter
1/4 c. flour
2 c. milk
2 c. (8 oz.) shredded sharp cheddar cheese
1 c. cubed, cooked ham

Add water to vegetables, just to cover. Add salt and pepper, cover and simmer 10 minutes (or a little longer for softer vegetables).

Make white sauce with butter, flour, and milk. Add cheese and stir until melted. Add ham and UNDRAINED vegetables. Heat, but do not boil.