Scalloped Potatoes and Ham Skillet

Spray large 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 medium bowl, combine milk, flour and pepper; blend well. Add to skillet; cook and stir over medium heat until bubbly and thickened.