Cheddar Chowder

Directions

1. 1
   In large saucepan, add water to potatoes, onions, salt, pepper and carrots.
2. 2
   Cover and simmer for 10 minutes; do not drain.
3. 3
   In separate pan, melt butter, then gradually stir in flour until smooth.
4. 4
   Add milk slowly, stirring constantly and maintaining medium heat.
5. 5
   Add cheese; stir until melted.
6. 6
   Stir cheese sauce and ham into undrained vegetable mixture.
7. 7
   Heat for 20 minutes; do not boil.
8. 8
   This is good served with corn muffins.
9. 9
   Yields 4 to 6 servings.