Ingredients

2 cups water2 cups diced peeled potatoes1/2 cup diced carrots1/2 cup chopped celery1/4 cup chopped onion1-1/2 teaspoons salt1/4 teaspoon pepper1 cup cubed fully cooked ham1/4 cup butter, cubed1/4 cup all-purpose flour2 cups whole milk2 cups shredded cheddar cheese

Preparation

In a large saucepan, combine the first seven ingredients; bring to a boil. Reduce heat; cover and simmer until the vegetables are tender. Add ham.

In another saucepan, melt the butter; stir in flour until smooth. Gradually add milk. Bring to a boil; cook and stir for 2 minutes or until thickened. Stir in cheese until melted; add to the soup.