In a bowl, mix together the flour, the salt and the baking powder.
Add the eggs and mix. Then, gradually add the milk, while stirring.
Heat and grease a non-stick pan, then pour some dough on it. Then put half a slice of ham and a slice of cheddar.
Cover with some batter.
Turn it over, and cook for a few minutes.
There you are, your croque pancakes are ready!