Perhaps you could use .1Q trunking between the 2800 routers and the layer 3 switch.
On each 2800 define two sub-interfaces on the FastEthernet major interface - 1 for each T1 - if a T1 is up advertise only the default route for that T1 over the corresponding FE sub-interface (VLAN) to the layer 3 switch.
If all four T1 are up, the layer 3 switch will have 4 default routes and will load balance on a per destination basis over these four routes.
Need to figure out if reliable static routing using object tracking or something similiar can accomplish the above routing scenario.