Creamed Vegetable Soup With Ham Recipe

• 3 c. water
• 4 med. potatoes, pared and sliced
• 1 c. sliced carrots
• 1 med. onion, diced
• 1 teaspoon salt
• 1 teaspoon pepper
• 1/2 c. butter
• 1/2 c. flour
• 1 quart. lowfat milk
• 1/2 pound sharp cheddar cheese, shredded
• 2 c. cubed cooked ham
• 1 c. sliced celery

Directions