Potato Soup

1 1/2 c chicken broth
2 c milk or light cream
3 T margarine or butter
3 T flour
4 medium potatoes peeled and cut into chunks
sliced carrots
onion finely chopped
1/4 tsp salt
1/8 tsp pepper

In a saucepan melt margarine or butter. Stir in flour, salt and pepper. Add milk and chicken broth all at once. Cook and stir till slightly thickened and bubbly. Add potatoes, carrots and onions and cook till vegetables are done. Add more salt or pepper if desired.