1/2 c. butter
1/2 c. flour
2 tsp. salt
1/4 tsp. pepper
3 c. milk
3 c. cubed cooked ham (about 1/2 lb.)
1 lg. onion, chopped
1 lg. green pepper, chopped
1/2 c. shredded Cheddar cheese (2 oz.)
5 c. sliced potatoes (about 2 lbs.)

Melt butter over low heat, blend in flour, salt and pepper. Cook 1 minute, stir constantly. Remove from heat - gradually add milk, return to heat - cook until thick and bubbly.

Fold in ham, onion, green pepper and cheese. Pour over potatoes in large bowl. Stir gently - then pour in buttered 13 x 9 inch baking dish - cover with foil. Bake at 350 degrees for 30 minutes. Uncover and bake for 1 hour or until brown and bubbly.