How to Make Ham Casserole


2 cups peeled and cubed potatoes
2 stalks celery, chopped
1 large carrot, sliced
3 cups water
3 tablespoons butter
2 cups cubed fully cooked ham
2 tablespoons chopped green bell pepper
2 teaspoons chopped onion
1/4 cup butter
3 tablespoons all-purpose flour
1 cup milk, or more as needed
1/8 teaspoon salt
1/8 teaspoon ground black pepper
1 cup shredded Cheddar cheese
1/2 cup dry bread crumbs


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