Melt butter in large baking dish. Add rice & stir to coat rice with
butter. Add sliced squash on top of rice. Sprinkle chopped onion
over squash. Mix soup, water, pepper & pour over squash. Cover
tightly. Bake at 325º for 50 minutes.
Remove from oven. Uncover and gently stir in cream cheese cubes (and
cheddar cheese if using). Top with bread crumbs. Bake 10 to 15
minutes until crumbs are browned.