1 Preheat the oven 375°F.
2 Lightly grease a 2-quart baking dish.
3 In the prepared baking dish, layer half each of potatoes, onion, carrots, and ham.
4 In a bowl, add the soup, milk, and pepper.
5 Pour half of the sauce over vegetable mixture in dish.
6 Layer the remaining vegetables and ham over sauce.
7 Put the remaining sauce on top.
8 Cover and bake for 1 hour.
9 Remove the cover and sprinkle with with Parmesan cheese.
10 Bake for another 10 minutes.