Preheat oven to 350°. Lightly grease a 13 x 9 inch baking dish.

Place bread evenly over bottom of prepared dish. Layer ham and turkey evenly over bread.

In a large skillet, melt butter over medium heat. Whisk in flour until smooth; cook 2 minutes, whisk constantly. Gradually whisk in milk; cook 3 to 4 minutes, whisking constantly, or until thickened. Add cheeses, stirring until melted and smooth. Pour over turkey and ham. Sprinkle evenly with bacon and tomato. Bake 20 to 25 minutes, or until hot and bubbly.