Ham, Egg and Cheese Casserole

5 cups plain bread cubes or crouton

1 pound ham -- chopped*

2 cups cheddar cheese -- cubed small*

4 cups milk **

1/4 teaspoon pepper**

6 eggs**

1/3 cup corn oil**

1 teaspoon salt**

1 teaspoon dry mustard**

1/3 C flour**

* Place these in the bottom of a greased 9 X 13 pan. ** Pour this mixture over crouton mixture and refrigerate overnight. Bake at 300 for 1 1/2 hours. Let sit for 10 to 15 minutes before serving. Cut into squares. Serves 12 to 15 (not at our house!!)