I read through the entire Introduction to Apple Human Interface Guidelines, and it was not to my loss. Rumor has it that similar guidelines for MS Windows and Gnome are excellent, too, but I haven't read those.
Wikipedia has interesting pointers to usability. The single best (short) piece of literature I've seen on usability is "Don't make me think" by Steven Krug, with a focus on Web Usability.
As for Accessibility, I haven't read through all of it, but from small exerpts I blieve that real experts have written WIA-ARIA, the W3C take on accessibility.
I forgot where, but these are hints I've learned on how to test for accessibility:
- Buy a screenreader and try to use your app with that
- Put on glasses that are not yours (or take yours off) and find your way through the app
- Try to handle the your App with an imprecise substitute for a mouse, to simulate disabilities of the hand. E.g., try using your app with a trackball, or with a mouse on a reflecting surface.
- Turn the sound very silent or off
- Use your app with one hand only.
- Set your screen to black and white (to check that contrast suffices)
That's all I can come up with now.