  We construct an explicit $SO(10) \times U(1)_F$ model of the Yukawa
interactions by using as a guide previous phenomenological results obtained
from a bottom-up approach to quark and lepton mass matrices. The global
$U(1)_F$ family symmetry group sets the textures for the Majorana and generic
Dirac mass matrices by restricting the type and number of Higgs diagrams which
can contribute to each matrix element, while the $SO(10)$ group relates each
particular element of the up, down, neutrino and charged lepton Dirac matrices.
The Yukawa couplings and vacuum expectation values associated with pairs of
{\bf 1,~45, 10,} and {\bf 126} Higgs representations successfully correlate all
the quark and lepton masses and mixings in the scenario incorporating the
nonadiabatic solar neutrino and atmospheric neutrino depletion effects.
