Mix together the pancake batter ingredients, then let the batter rest for 30 minutes.
Pour some batter onto a heated frying pan. Once it begins to firm, add a slice of ham and a cube of cheese, cover with more batter, then flip and fry until golden-brown on both sides. Repeat with the remaining batter.
For the white sauce, melt the butter in a pan and make a roux with the flour. Whisk in the milk and seasonings and let it thicken. Remove from the heat and discard the bay leaves once thick and creamy.
Stack the pancakes in a loaf pan, pour the white sauce over them, and sprinkle with shredded cheese. Bake at 350°F for 20 minutes.