Ham & Cheese Casserole

1/2 cup flour
1/4 teaspoon pepper
2 teaspoon salt
1/2 cup butter or margarine - 1 stick
3 cups milk
4 cups cooked ham - chopped
5 cups potatoes - thinly sliced
3 cups cheese - cheddar, shredded
1 onion - chopped
1 green bell pepper - chopped

Mix flour, pepper, and salt (omit salt if you think ham and cheese are salty
enough, I do). Melt butter in saucepan. Add flour mixture. Cook over medium
heat for one minute, stirring constantly. Remove from heat. Stir in milk.

Return to heat and cook until thick.

In a very large bowl, mix remaining ingredients with sauce. Bake in covered
casserole dish(es). Bake in 350 F. oven for 90 minutes. Remove cover after
first 30 minutes.

Let cool 15 minutes before serving. It's even better as leftovers.
To reduce clean-up, I suppose the sauce could be started in a stockpot, and
then everything combined in that before putting it in casserole dishes.
Servings: 8.