Step 1Grease sides and bottom of a 13x9-inch baking dish. Arrange slices of bread (trim edges if they fit better in your baking dish) in dish. They will slightly overlap. Sprinkle tops of bread lightly with salt and pepper.
Step 2Sprinkle grated cheese evenly over bread.
Step 3Place milk and eggs in bowl and briskly stir until mixture is all one color and completely blended. Pour milk mixture over bread and cheese. Cover and refrigerate at least 6 hours, or overnight.
Step 4Because dish will be chilled when you are ready to bake it, start it in a cold oven and turn heat on to 350 degrees. Bake until bread custard is puffy and lightly golden, 1 hour. Check at 45 minutes, in case your oven is a little hotter. Cut 6 pieces and serve with ham and fruit.