Not sure if there is a more optimal answer, but you could use a for loop to create the SQL statement:
<?php
$arr = array(fir, seco, third);
$query = "SELECT * FROM $table where ";
$count = count($arr);
for($i=0;$i<$count;$i++){
$query .= ($i==$count-1) ? "$arr[$i]=0" : "$arr[$i]=0 and ";
}
echo $query;
?>
Echoes SELECT * FROM $table where fir=0 and seco=0 and third=0. You can do the same with the UPDATE SQL statement.
Update
Also, you could implode the array, like in Suresh Kamrushi's answer, and use the following code:
<?php
$arr = array(fir, seco, third);
$str = implode(',',$arr);
$query_one = "SELECT * FROM $table WHERE ($str) = (0,0,0)";
echo $query_one;
?>
The UPDATE query would still need a for loop though, I think.