Cheddar Bacon Wakeup Casserole

2 c plain croutons
2 c shredded cheddar cheese (8 oz)
4 slices bacon crisp, crumbled Or 1-2 c. diced , fully cooked ham
2 c milk
3 eggs beaten
1/2 t prepared mustard
1/8 t onion powder
1 dash pepper

In a medium bowl, toss together the croutons, cheese and bacon or ham.

Turn into and 11x7x2 inch baking dish OR 6 individual 5 inch round baking dishes.

In another bowl, beat together the milk, eggs, mustard, onion powder and pepper.

Pour the mixture over the croutons mixture in the baking dish. Cover and refrigerate overnight.

Bake, uncovered in a 350 degree oven for 45 minutes (15 minutes for individual dishes), or until knife inserted near center comes out clean.

Let stand 5 minutes before serving.