1.Sift flour and bicarbonate of soda into a medium bowl. Make a well in the centre.
2.Whisk milk, egg and butter in a medium jug; pour into flour mixture. Stir until just combined. Add ham, corn, carrot, zucchini and cheeses; mix well.
3.Heat a large non-stick frying pan over moderate heat. Brush with a little oil to grease.
4.For each pancake, spoon 1/3 cup batter into pan. Cook, 2 at a time, 1-2 minutes, or until golden underneath and bubbles appear on surface. Turn; cook a further 1-2 minutes, or until golden and cooked.
5.Transfer pancakes to a heatproof plate. Cover with foil to keep warm.
6.Stack pancakes on serving plates. Serve with salad.