outer join issues

Let me preface this by saying hello SQL list, and I'm an idiot. My SQL
knowledge is advanced to the point of being able to use a WHERE clause
basically, so I appreciate your business. Now on to my issue

I have 3 tables I'm trying to use in this query: loan, share and draft
(for those of you not familiar with credit unions, share and draft are
savings and checking accounts). What I'm trying to do is get a list of
all loans that were charged off (ln_chgoff_dt > 0), and any share and
draft accounts that have the same account number. My query looks
something like this

SELECT ln_acct_num, ln_num, ln_chrgoff_dt, ln_chrgoff_amt, sh_balance,
sh_stat_cd, df_balance, df_stat_cd
FROM loan
LEFT OUTER JOIN share ON loan.ln_acct_num = share.sh_acct_num
LEFT OUTER JOIN draft ON loan.ln_acct_num = draft.df_acct_num
WHERE
ln_chrgoff_dt > 0
AND loan.dataset = 0
AND share.dataset = 0
AND draft.dataset = 0
;

Now the query
SELECT * FROM loan WHERE ln_chrgoff_dt > 0 AND loan.dataset = 0
returns 139 rows. Shouldn't the first query return at least that many?
My understanding is that a LEFT OUTER JOIN will not drop any records
that are only found in the first table, regardless of whether they match
records on the second or third table. I end up with 14 results with the
first query. I know I'm doing something wrong, but I'm not sure what.
Anybody have a helpful kick in the right direction for me?

Thanks in advance.

--
Tom Hart
IT Specialist
Cooperative Federal
723 Westcott St.
Syracuse, NY 13210
(315) 471-1116 ext. 202
(315) 476-0567 (fax)