Cheddar chowder (soup)

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

White sauce
1/4 cup butter
1/4 cup flour
2 cups milk
2 cups grated cheddar cheese
1 cup cubed ham

Combine water, potatoes, carrots, celery, onion, salt and pepper in large kettle. Boil 10 to 12 minutes. Meanwhile, in small saucepan, make white sauce by melting the butter. Add flour and stir until smooth (about 1 minute). Slowly add milk; cook until thickened. Add grated cheese to white sauce; stir until melted. Add white sauce and cubed ham to undrained vegetables