1. Lightly coat a 16- to 20-ounce casserole with cooking spray. Tear bread into bite-size pieces; place half of the bread in the prepared dish.
2. Sprinkle ham and cheese over bread. Top with the remaining torn bread.
3. In a small bowl beat together eggs, milk, and pepper. Pour egg mixture evenly over bread; press bread with the back of a spoon to be sure it is completely moistened. Cover and refrigerate for 2 to 24 hours.
4. Bake in a 325 degree F oven about 30 minutes or until a knife inserted near center comes out clean. Let stand for 10 minutes before serving. Makes 2 servings.
For 4 Servings: Prepare as above, except use two 16- to 20-ounce casseroles (in step 1) and use a medium bowl (in step 3).