  Neutrino masses and mixings are investigated on the basis of a universal
seesaw mass matrix model, in which quark (except for top) and charged lepton
mass matrices M_f and neutrino mass matrix M_\nu are given by M_f \simeq m_L
M_F^{-1} m_R and M_\nu \simeq m_L M_F^{-1} m_L^T (F=N), respectively. For a
simple model which can successfully describe quark masses and mixings, we find
that the observed neutrino data (except for the solar neutrino data) are favor
to the intermediate mass scales O(m_R) = 10^{11} GeV and O(M_F)= 10^{13} GeV
together with O(m_L)= 10^2 GeV. In spite of the largesse of O(m_R), the
observed top quark mass can be consistently understood from the would-be seesaw
mass matrix with these mass scales.
