Melt your butter and add the flour. Cook it together for about 4-5 min on medium low to cook out the flavor of the flour.
Whisk in your warmed up milk slowly and let it thicken, about 5 min on medium low.
Add in pepper, chives, salt, nutmeg & dijon.
Spread the bechamel on all 8 slices all bread. Add 2 slices of ham to 4 slices of bread and top with some of the cheese, leaving some behind for topping.
Top the bread with the ham and cheese with the remaining bread slices, bechamel side up.
Add remaining cheese on top of the sandwiches and bake at 400 for 12-15 min and broil 1-2 or until cheese is golden.
