Badinage, you are right. 
There are 28 ways for the first, 27 ways for the second and 26 ways for the 3rd That is 28*27*26
BUT it doesn't matter what order they are chosen. so you have to divide by 3! = 6
$${\frac{{\mathtt{28}}{\mathtt{\,\times\,}}{\mathtt{27}}{\mathtt{\,\times\,}}{\mathtt{26}}}{{\mathtt{6}}}} = {\mathtt{3\,276}}$$
this is how I would normally do it 
28C3
$${\left({\frac{{\mathtt{28}}{!}}{{\mathtt{3}}{!}{\mathtt{\,\times\,}}({\mathtt{28}}{\mathtt{\,-\,}}{\mathtt{3}}){!}}}\right)} = {\mathtt{3\,276}}$$
.