1/2 cup flour
1/4 teaspoon pepper
2 teaspoon salt
1/2 cup butter or margarine - 1 stick
3 cups milk
4 cups ham - chopped
5 cups potatoes - thinly sliced
3 cups cheese - cheddar, shredded
1 onion - chopped
1 green bell pepper - chopped
Mix flour, pepper, and salt (omit salt if you think ham and cheese are salty enough, I do). Melt butter in saucepan. Add flour mixture. Cook over medium heat for one minute, stirring constantly. Remove from heat. Stir in milk. Return to heat and cook until thick.
In a very large bowl, mix remaining ingredients with sauce. Bake in covered casserole dish(es). Bake in 350 F. oven for 90 minutes. Remove cover after first 30 minutes.
Let cool 15 minutes before serving. It's even better as leftovers.