1 Green Pepper
1/2 Cheddar Cheese
Melt butter in large sauce pan over low heat; blend in flour, salt, and pepper.
Cook, stirring constantly, for about 1 minute. Remove from heat gradually stir in milk.
Return to heat; cook until thickened and bubbly.
Fold in ham, onion, green pepper and cheese. Pour over potatoes in a large bowl.
Stir gently then move into a buttered 13X9-inch baking dish; cover with foil.
Bake at 350 degrees for 30 minutes.
Uncover and continue to bake for 1 hour.
Let stand for 10 minutes before serving.