Lima Bean Health Loaf

1 cup dry lima beans
1/4 cup butter or margarine
1 small onion, chopped
1 cup thinly sliced celery
1/3 cup flour
1 cup skim milk
1 egg, beaten
1 cup soft, fine whole wheat bread crumbs
1 1/2 cups chopped carrots
1 teaspoon salt
1/4 teaspoon black pepper
1/2 cup chopped peanuts
American cheese slices

Soak beans overnight in cold water. Drain, rinse and cook in water to cover until tender, about 1 1/2 hours. Drain beans, then mash.

Melt butter in saucepan. Add onion and saut