1. Preheat oven to 350. Grease 3 quart baking dish.
2. Mix together hash browns, ham, 1/2 cup cheese and onion.
3. Mix together sour cream, both cans of soup and pepper in separate bowl.
4. Add soup mixture to hash brown mixture, combine well. Put in baking dish
5. Top with remaining 1/2 cup cheese.
6. Bake for 1 hour, do not cover.