- ½ cup flour
- ¼ teaspoon pepper
- 2 teaspoon salt
- ½ cup butter or margarine - 1 stick
- 3 cups milk
- 4 cups ham - chopped
- 5 cups potatoes - thinly sliced
- 3 cups cheese - cheddar, shredded
- 1 onion - chopped
- 1 green bell pepper - chopped
- Mix together flour, pepper, and salt in a large deep bowl (omit salt if you think that the ham and cheese are salty enough).
- In a saucepan, melt the butter and add the flour mixture. Cook over medium heat for one minute, stirring constantly to blend the flavors; then remove from heat and stir in milk. Return to heat and simmer until thick enough.
- In a very large mixing bowl, stir in the remaining ingredients with the sauce. Place in a tightly-covered casserole dish and bake in 350 degrees F for 90 minutes. Remove the cover after the first 30 minutes.
- Let it cool for 15 minutes before serving.
- Serve and enjoy!