Cheddar Chowder

2 C water
2 C diced potatoes
1/2 C diced carrots
1/2 C diced celery
1/4 C chopped onion
1 tsp salt
1/4 tsp pepper

1 C cubed ham

1/4 C butter
1/4 C flour
2 C milk
2 C grated cheddar

Boil the first set of ingredients for 10-12 minutes. Add the ham. Meanwhile, in a separate pot, melt the butter. Add the flour and stir until smooth. Very slowly add the milk and cook until thickened. Add the grated cheese and stir until melted. Combine both pots and heat through.

Serve with dinner rolls and green salad.

Note: We make this sans ham and it is still delicious. It is a very favorite rainy/snowy day treat around here.