Scalloped Potatoes with Ham

1 cup cubed cooked ham
1/2 lb. small new red potatoes, thinly sliced (about 1 1/2 cups)
1/2 cup thinly sliced celery
1/2 cup thinly sliced carrot
1/4 cup chopped onion
3 Tbs. water
1 1/2 cups skim milk
2 Tbs. all-purpose flour
dash pepper

Spray medium nonstick skillet with nonstick cooking spray. Heat over medium heat until hot. Add ham, potatoes, celery, carrot, onion and water. Cook until bubbly. Reduce heat to medium-low; cover and cook 5 to 8 minutes or until vegetables are tender, stirring once.
Meanwhile, in small bowl, combine milk, flour and pepper; blend well. Add to skillet; cook and stir over medium heat until thickened and bubbly.