Ham Casserole

Ingredients

• 2 cups potatoes, peeled and cut into cubes
• 2 stalks celery, diced
• 1 large carrot, sliced
• 3 cups water
• 3 tablespoons butter
• 2 cups ham, fully cooked and cut into cubes
• 2 tablespoons green bell pepper, chopped
• 2 teaspoons onion, chopped
• ¼ cup butter
• 3 tablespoons all-purpose flour
• 1 cup milk, or more if needed
• ⅛ teaspoon salt
• ⅛ teaspoon ground black pepper
• 1 cup Cheddar cheese, shredded
• ½ cup dry bread crumbs