Rinse and chop tomato, bell pepper, onion, and cilantro; rinse and dice Jalapeno pepper. Rinse spinach well, spin or pat dry and coarsely chop. Set all vegetables aside. Lightly spray both sides of tortilla with cooking spray and toast in a non-stick pan on low heat, or bake for about 2-3 minutes in an oven pre-heated to 350 degrees F. Rinse and drain beans. Crumble feta cheese. In a bowl, mix beans with cheeses, cilantro, chopped tomato, bell pepper and onion. Place chopped spinach on top of toasted tortilla. Top spinach with bean mixture, garnish with Jalapeno pepper and serve.