Creamed Chipped Ham (Beef) on Toast - SOS

Creamed Chipped Ham (Beef) on Toast - SOS was pinched from <a href="http://www.thekitchenwhisperer.net/2014/02/22/creamed-chipped-ham-beef-toast-sos/" target="_blank">www.thekitchenwhisperer.net.</a>

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INGREDIENTS
4 Tbl butter, unsalted
1/3 cup flour
1 1/2 cups milk
1 1/2 cups half and half (or can use all milk)
1 pound shaved chipped baked ham (or can use chopped dried beef)
3 1/2 cups peas (canned or frozen – thawed)
1 tsp black pepper
1/2 tsp salt
8 slices of bread, toasted - don't forget about the 'anchor' crusts!
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