Spread 2 tablespoons salsa on half of each tortilla.
Sprinkle with 1/4 cup each of the beans and the cheese.
Fold tortillas over and press down lightly.
In a large nonstick skillet over medium heat, cook tortillas, 2 at a time, pressing down lightly with the back of a metal spatula, for about 2 minutes per side, until lightly toasted and cheese is melted (or place directly on barbecue grill over medium heat until lightly toasted on both sides).
Cut into wedges and serve warm with additional salsa.