Cheesy Potato Soup

4 medium potatoes, diced
carrots, diced (amount is up to you)
1 large onion, chopped
1 quart water
1/4 c butter
3 tbsp flour
1/2 c milk
1.5 c shredded sharp cheddar cheese
1 tsp salt
1/4 tsp paprika
1/8 tsp freshly ground pepper
chopped chives

• Combine potatoes, carrots, onion, & water in heavy saucepan.
• Bring to boil. Reduce heat & simmer til tender, about 20 minutes.
• In heavy skillet, melt butter.
• Add flour. Cook & stir until mixture bubbles.
• Remove from heat & stir in milk.
• Return to heat; Cook & stir until thickened.
• Stir mixture slowly into potatoes.
• Add cheese & seasonings.
• Serve topped with chopped chives.