Cheddar Chowder

by Marsha E.

2 cups chopped potatoes
2 cups carrots
1 cup chopped celery
1/2 cup chopped onion
1/2 quart water
1 cup flour
1 quart milk
1-1/4 cups shredded cheddar cheese
1-1/4 cups shredded American cheese
2 cups cooked and cubed ham
salt/pepper

In a double boiler place potatoes, carrots, celery, onions, water, salt and pepper. Cook until just tender. Do not drain. Melt margarine in saucepan. Stir in flour. Cook over low heat until smooth and bubbly. Stir in milk. Continue cooking until mixture thickens and comes to a boil. Stir in cheeses and ham. Stir until cheese is melted. Stir into the vegetables. Heat through and serve.