Ham-Potato Bake

Ingredients

• 2 (15 or 16 oz) cans sliced potatoes drained or 4 cups sliced, cooked potatoes
• 2 medium carrots, shredded (1 cup)
• 1 1/2 cup cubed cooked ham
• 1 (10 3/4 oz) cream of mushroom soup
• 1/2+ cup shredded cheddar cheese
• 1/4 cup milk
• 1 Tbsp. instant minced onion
• salt (seasoned) and pepper to taste
• 1/2 cup shredded cheddar cheese
• 3/4 cup soft bread crumbs (1 slice)
• 1 Tbsp. margarine, melted