Preheat oven to 400 degrees. In medium mixing bowl mix together flour, sugar, mustard, baking powder, baking soda and both peppers add cheese, and cornmeal.
In separate medium mixing bowl, using a wire whisk, beat together buttermilk, eggs and oil. Mix in ham.
Add wet ingredients to dry ingredients and mix until thoroughly combined without over mixing.
Spray muffin pan cups with a non stick cooking spray; spoon batter into each sprayed cup until about ¾ full. Top with a bit more grated cheese. Place muffin pan on a 4-lipped cookie sheet and put 2 or 3 cups of water onto the cookie to keep muffin bottoms from burning. Bake in middle of center oven rack for 20 to 25 minutes (until muffins are lightly browned and a toothpick inserted in center comes out dry).
Remove pan from oven and carefully drain off water (it will be hot). Remove muffins from pan and set on wire rack to cool. Serve muffins warm, and for a treat top with maple syrup!