Grease a 9x13 inch pan and remove the crusts from the bread and cut into 1/2 inch strips.
Line the bottom of the pan with half of the bread slices.
Scatter the ham cubes over the bread and top with the cheeses.
Top with the remaining bread.
In a large bowl combine the eggs, milk, salt and pepper.
Pour over the casserole.
Cover and refrigerate overnight.
Bake in a 350 oven for 1 hour.
Cool the casserole before serving.
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