Preheat a griddle to 350, or a medium sized sauté pan over medium-high heat. In a medium sized bowl, mix shredded cheese, black beans and cooled zucchini. Place a tortilla on the hot griddle or pan for 30 seconds, till it warms and can fold in half without breaking. Place approximately 2 TBSP of bean filling in each corn tortilla, or 1/4 C of bean filling in a wheat tortilla, fold the tortilla in half and let cook for 3 minutes, or until the cheese begins to melt and the tortilla is browned. Flip the tortilla over and cook for another 2-3 minutes, until the other side is browned. Cut into wedges and serve with salsa and/or guacamole.