My understanding is rollmean is an optimized version of rollapply with mean as the function. If you don't need the added performance you can try the following which works
z = c(1,7,8,3,5,NA,NA,NA,NA,NA,3,5,10,8,4)
x = zoo (z, 1:length(z))
rollapply(x,3,mean)
2 3 4 5 6 7 8 9 10 11 12 13 14
5.333333 6.000000 5.333333 NA NA NA NA NA NA NA 6.000000 7.666667 7.333333