Grandma Patty's Cheddar Chowder

2 cups water
2 cups diced potatoes
1/2 cup diced carrots
1/2 cup diced celery
1/4 cup chopped onion
1 tsp salt
1/4 tsp pepper

White Sauce:
1/3 cup butter
1/2 cup flour
2 cups milk
2 cups cheddar cheese, grated

Combine soup ingredients in large kettle. Boil 10-12 minutes. Meanwhile in a small saucepan, make white sauce by melting the butter.  Add flour and stir until smooth (about 1 minute). Slowly add milk, cook until thickened.  Add grated cheese to white sauce; stir until melted. Add white sauce to vegetables that have not been drained. heat through.