  We consider three active flavor neutrino oscillations where both the
mass-square differences play a role in atmospheric neutrino problem. We
calculate the matter effects arising due to propagation through earth. We
demonstrate that these effects improve the fit to the electron data vis-a-vis
vacuum oscillations but make the fit to the muon data far worse, thus worsening
the overall fit. The results of our analytical calculation verify the numerical
investigations of this scheme presented earlier by Fogli et al.
