Ingredients:

  Amount  Measure       Ingredient -- Preparation Method
--------  ------------  --------------------------------
   3      tablespoons   margarine
   3      tablespoons   flour
     1/4  teaspoon      pepper
   2 1/2  cups          milk
   1      large         onion -- chopped
   5      cups          potatoes -- cooked and sliced
   2      cups          ham -- cooked and diced
     1/2  cup           cheddar cheese -- shredded

Preparation:

Preheat oven to 400 degrees. Grease a 2-quart casserole. Melt margarine; stir in flour and pepper. Add milk and cook until thickened, stirring constantly. Remove from heat and add onion, potatoes, and ham. Pour into prepared pan. Top with cheddar cheese. Bake for 45 minutes.