  We have constructed an explicit see-saw model containing two singlet
neutrinos, one carrying a $(B-3L_e)$ gauge charge with an intermediate mass
scale of $\sim O(10^{10})$ GeV along with a sterile one near the GUT (grand
unification theory) scale of $\sim O(10^{16})$ GeV. With these mass scales and
a reasonable range of Yukawa couplings, the model can naturally account for the
near-maximal mixing of atmospheric neutrino oscillations and the small mixing
matter-enhanced oscillation solution to the solar neutrino deficit.
