Ham Casserole

Ingredients

• 2 cups peeled and cubed potatoes
• 2 stalks celery, chopped
• 1 large carrot, sliced
• 3 cups water
• 3 tablespoons butter
• 2 cups cubed fully cooked ham
• 2 tablespoons chopped green bell pepper
• 2 teaspoons chopped onion
• 1/4 cup butter
• 3 tablespoons all-purpose flour
• 1 cup milk, or more as needed
• 1/8 teaspoon salt
• 1/8 teaspoon ground black pepper
• 1 cup shredded Cheddar cheese
• 1/2 cup dry bread crumbs