2 c. water
2 c. potatoes, diced
1/2 c. carrots, diced
1/2 c. celery, diced
1/4 c. onion, chopped
1 tsp. salt
1/4 tsp. pepper

WHITE SAUCE:

1/4 c. butter
1/4 c. flour
2 c. milk
2 c. Cheddar cheese, grated
1 c. ham, cubed

Combine water, potatoes, carrots, celery, onion, salt and pepper in large kettle. Boil 10 to 12 minutes. Meanwhile, in small saucepan, make white sauce by melting the butter. Add flour and stir until smooth (about 1 minute). slowly add milk; cook until thickened. Add grated cheese to white sauce; stir until melted. Add white sauce and cubed ham to vegetables that have not been drained after cooking. Stir well. Heat through.