SQL: Join two SELECTs to calculate difference

This is similar to a question I've already asked but with a new wrinkle.
 have the following query:
SELECT
CMB_AccountsID, CurrentAmount - Amount AS BalanceAmount
FROM

(SELECT SUM(Fund.Amount) AS Amount
FROM Persons
INNER JOIN Fund
ON Fund.PersonsID= Persons.PersonsID
INNER JOIN Terms
ON Terms.TermsID = Fund.TermsID
INNER JOIN Accounts
ON Accounts.PersonsID = Persons.PersonsID
WHERE Terms.Name = 'Fall 2004'
AND Accounts.AccountsID =
(SELECT DISTINCT AccountsID
FROM Transactions
WHERE Transactions.AccountsID IN (1, 3))
GROUP BY Accounts.AccountsID) A

CROSS JOIN

(SELECT SUM(Transactions.CurrentAmount) AS CurrentAmount,
Account.AccountsID
FROM Transactions
INNER JOIN Terms
ON Transactions.TermsID = Terms.TermsID
WHERE (Terms.Name = 'Fall 2004')
AND Transactions.AccountsID IN (1,3)
GROUP BY Transactions.AccountsID) B



THis query works fine if the AccountID is limited to one row, by nature of the CROSS JOIN. But when I return multiple values in the IN clause, the query will not work. I'm looking to accomplish the logic above but by another method. Any ideas would be greatly appreciated.