Cheddar Chowder

4 cups water
4 cups diced potatoes
1 cup diced carrots
1 cup diced celery
1/2 cup chopped onion
2 tsp salt
1/2 tsp pepper

White Sauce:
1/2 cup butter
1/2 cup flour
4 cups milk
4 cups cheddar cheese, grated
2 cups cubed ham

Combine water, potatoes, carrots, celery, onion, salt and pepper in a large pot. Boil for 10-12 minutes.

Meanwhile, in a saucepan, melt 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.

Heat through.