How to input fee charged from loan account and taken from savings account

[Brendan Simon]

I'm having trouble figuring out how to enter the following scenario.

Bank has charged a fee to my Loan account on 1-Nov-2006, and the money 
is taken from my Savings account on 2-Nov-2006.

Inputing transactions between accounts is not a problem  I can do that.  
For the different dates I have an intermediate Transfer account.  Money 
leaves one account on one day and goes to the transfer account, then on 
the day it is received in the destination account, I enter another 
transaction from the Transfer account to the destination account.

My problem is how can I record this so my expense account for bank fees 
is incremented ???
i.e. if the fee was for $10 and the $10 was transferred between my 
savings account to my loan account, then I should be able to input that 
transfer and have my savings account debited $10, my loan account 
credited $10 and my Expense:Fees account increased by $10.

I don't see how 3 amounts can be entered into a double entry accounting 
system :-/  There must be some way to do this but my brain hurts and 
can't figure it out :(

Any suggestions ???
Thanks, Brendan.