Delicious croque-monsieur

Preheat the oven to 205°C (400°F).

In a saucepan, melt the butter over medium heat. Add the flour and cook for 1 minute, stirring constantly.

Gradually pour in the milk while whisking. If desired, add nutmeg. Season with salt and pepper, then stir. Bring to a boil, reduce the heat and simmer for 2 to 3 minutes, whisking constantly.

Place four slices of bread on a baking sheet lined with aluminum foil. Spread half of the béchamel over the bread slices, then add four slices of ham. Top with the remaining four slices of bread. Cover with the remaining béchamel, then add the remaining ham slices and the cheese.

Bake for 10 to 12 minutes, until the cheese is nicely golden.