Grease a 9 by 13-inch pan and place the pieces of bread tightly together on the bottom of the pan. Beat the eggs, add the soup, the milk, and seasonings. Sprinkle the diced ham, onion, and bell pepper over bread. Pour the egg mixture over this layer. Sprinkle the cheese over the top of this layer. Cover with foil and bake at 325 degrees for 45 minutes. Remove the foil and bake another 15 minutes uncovered.