Broccoli and Potato Soup

5 cups milk
1/2 cup all-purpose flour
1 teaspoon garlic salt
1 teaspoon salt
1 teaspoon ground black pepper
1/2 cup butter or margarine
4 potatoes, peeled diced
4 carrots, diced
1/2 cup shredded cheddar cheese
1 (10-ounce) package frozen broccoli
1 pound ham, diced

1. In a large heavy stockpot, whisk milk together with flour; heat on medium. Add garlic salt, salt and pepper. Stir in butter to blend.
2. Add potatoes and carrots to pot; simmer until tender, about 15 minutes. Add cheese, frozen broccoli and ham. Cook until tender, another 15 to 20 minutes.

Makes 6 servings.