Cheesy Chowder

Ingredients:

Soup:

2 c. water
2 1/2 c. diced potatoes
1 c. diced carrots
1/2 c. minced celery
1/2 c. chopped onion
1 tsp salt
1/4 tsp pepper
1 c. diced ham

Cheese Sauce:

1/4 c. butter
1/4 c. flour
2 c. milk
2 c. shredded Cheddar cheese

Directions: