cheddar & ham chowder

Ingredients

• 2 cups water, boiling
• 2 cups potatoes
• 1/2 cup carrots
• 1/2 cup celery
• 1/4 cup onion
• 1 cup ham
• 1 1/2 teaspoons salt
• 1/4 teaspoon black pepper
• 1/4 cup butter, melted
• 1/4 cup all purpose flour
• 2 cups milk
• 2 cups cheddar cheese