Leftover Ham Bean Soup

medium carrots (chopped)

celery ribs (chopped)

small onion (chopped)

chicken broth

leftover ham bone (along with any meat, fat, and juices that are left)

chili powder

garlic (minced)

bay leaf

(15-1/2 ounces great northern beans, rinsed and drained)

freshly ground pepper (to taste)