  Phenomenological implications of neutrino oscillations implied by recent
experimental data on pattern of neutrino mass matrix are disscussed. It is
shown that it is possible to have a neutrino mass matrix which shows
approximate flavor symmetry; the neutrino mass differences arise from flavor
violation in off-diagonal Yukawa couplings. Two modest extensions of the
standard model, which can embed the resulting neutrino mass matix have also
been discussed.
