Cheddar Ham Chowder

Ingredients

• 2 c. water
• 2 c. cubed potatoes
• 1/2 c. sliced carrots
• 1/2 c. sliced celery
• 1/2 c. chopped onion
• 1 tsp. salt
• 1/2 tsp. pepper
• 1/4 c. margarine
• 1/4 c. plain flour
• 2 c. milk
• 2 c. shredded cheese
• 1 1/2 c. cubed cooked ham
• 1 (16 oz.) can whole kernel corn (I use frozen corn)