Ham And Cheese Chowder
["2 c. potatoes", "1/2 c. water", "dash of salt", "3 Tbsp. butter", "1 c. onion, chopped", "3 Tbsp. all-purpose flour", "dash of pepper", "4 c. milk", "1 1/2 c. ham, cooked and diced", "6 oz. (1 1/2 c.) Cheddar cheese, shredded", "croutons (optional)"]
["Peel and cube potatoes.", "Place water and salt in a small saucepan.", "Bring to a boil.", "Add potatoes and reduce heat.", "Cook 15 minutes or until potatoes are tender.", "Drain potatoes, reserving 1 cup of liquid."]
["potatoes", "water", "salt", "butter", "onion", "flour", "pepper", "milk", "ham", "Cheddar cheese", "croutons"]