In a large pot, make a cream sauce using:
1/2 cup margarine
1/2 cup flour
2 tsp. salt
1/4 tsp pepper
3 cups milk
Fold in:
1 large chopped onion
1/2 cup grated cheddar cheese
5 cups peeled and thinly sliced raw potatoes
3 cups cubed ham
Transfer to a greased 13 x 9 x 2 inch greased pan.
Cover with foil.
Bake in preheated 350 degree oven for thirty minutes, then remove foil and cook 1 hour more.
Let stand 10 minutes before serving.
