And it depends on the chipset and motherboard manufacturer's implementation. Take the Intel X975BX2 motherboard. It can be configured for dual channel in a couple of ways; the "normal" way and a weird way:
Two or Four DIMMs: (The "normal" configuration)
Install a matched pair of DIMMs equal in speed and size in DIMM 0 (blue) of both channels A and B. If additional memory is to be used, install another matched pair of DIMMs in DIMM 1 (black) in both channels A and B. The DIMMS in the blue and black slots do NOT have to match in size to run in dual channel mode....for instance in channel A (blue slots), you can use a pair of 1GB strips, while the other set, in channel B (black slots), can be a pair of 512MB strips.
Three DIMMs:
Install a matched pair of DIMMs equal in speed and size in DIMM 0 (blue) and DIMM 1 (black) of channel A. Install a DIMM equal in speed and total size of the DIMMs installed in channel A in either DIMM 0 or DIMM 1 of channel B. So, for instance, you can install two 512MB strips in both the black and blue slots on channel A and install a 1GB strip in one of channel B's slots, either one. This will give you 1GB in each channel and runs in dual channel mode.
The above was taken from the user's manual, linked below. It's found in the section "Installing and Replacing Desktop Board Components", "Installing and Removing Memory" subsection.
http://download.intel.com/supp...bx2/sb/d6332605_en.pdf
So, how the motherboard will run memory in dual channel mode is a lot dependent upon how the manufacturer implements it in manufacture of the motherboard.