sql help

I'm using access 97. I've been relying on it's querey design function to compose most of my queries till now.

Here's one that I just don't know how to write.

first name and last name from the user's table where the user_id number (the auto number primary key of the users table) is not found in the accounts table.

I just need the sql string to use in a record set open command.

Thanks much.