Data Validation based on presence of text in 3 adjacent cells

I am trying to find a way to data validate without using Macros (not allowed at work)

We need to validate a cell based on the presence (or lack of) text in three adjacent cells.

So... IF A1 contains text, AND B1 contains text, AND C1 contains text then D1 has to be greater than Zero.

If any of those queries are false (i.e A1, B1, or C1 does not contain text) then Cell D1 is locked.

Is this possible?

Thanks!

Sarah