If you're using the FAT filesystem that ms-dos uses then you must first find the LBA sector where the root directory begins. To do this you simply...
rootstart = reservedsectors + fatsizesect * fatcount
reservedsectors is how many sectors there is before the FAT table starts, for a 1.44MB floppy the number is 1 since there is one reserved sector for the bootstrap (LBA sector 0).
fatsizesect is how many sectors one single FAT occupies, for a 1.44MB floppy this would be 9 sectors.
There is two total FATs on a disk, they are both mirrors of each other so fatsizesect * fatcount = 18 (for 1.44MB flop).
To get the above values for how much reserved sectors or ect.. you have to read the bootblock LBA 0 and if you don't know how to do this then you're screwed until you learn more.
Now for a normal 1.44 floppy formatted for ms-dos the value of rootstart should be 19 (13h) so now you know where the root directory begins. Another name for the root directory is- VTOC (Volume Table Of Contents).
(quick tip, use debug and type L 100 0 13 10, it shows you a physical view of the root directory on disk in drive A: so you know how it works and looks to the OS)
Each entry in the VTOC is 32 bytes big, the first 11 characters is the filename and all others in a entry are for various other things like the first cluster hi/low and the filesize in bytes and time/date and ect...
A good document that shows how to read this information is at my web site at...
http://dakidd.freeservers.com
Click on the link on the main page that downloads the .PDF file about the FAT12/16/32. The FAT filesystem is one of the easiest fs's to program for/with.
After you learn how to read the VTOC then move on to reading the FAT and then you can move on to actually loading files. Directories are nothing more then files on there own with there own VTOC inside of them.
Hope this helps some, KG. :D