  We demonstrate that an $SU(2)_L\times U(1)_Y$ model with the same particle
content as Standard Model(SM) and discrete reflection symmetry between second
and third generation of leptons give rise to charged lepton and neutrino mass
matrices which can accommodate the present solar, atmospheric, WMAP neutrino
experimental results.The model predicts the value of $|U_{13}|$ which could be
tested in neutrino factories and the value of the effectiv Majorana neutrino
mass $<m_{ee}>$ comes out at the lower end of the present experimental limit.
Neutrino masses are generated through dim = 5 operators and the scale of which
is constrained by the value of $<m_{ee}>$. If, in future neutrino less double
beta decay experiments, namely, MOON, EXO, GENIUS etc. shifts the lower bound
on $<m_{ee}>}$ by one order the present model will fail to accommodate the
solar neutrino mixing angle due to LMA solution.
