  By a simple extension of the standard model in which ($e-\mu -\tau $)
universality is not conserved, we present a scenario within the framework of
see-saw mechanism in which the neutrino mass matrix is strictly off-diagonal in
the flavor basis. We show that a version of this scenario can accomodate the
atmospheric $\nu_\mu -\nu_\tau $ neutrino oscillations and $\nu_\mu -\nu_e$
oscillations claimed by the LSND collaboration.
  PACS: 14.60.Pq; 14.60.St;13.15.+g
