  We present an analysis of neutrino oscillations which are consistent with
current solar, atmospheric and terrestrial experiments in a framework with
three neutrino mixing. The solutions satisfying these experiments have the
large mixing (not maximal mixing) between electron neutrino- muon neutrino or
muon neutrino-tau neutrino in m3 to be about several eV, where m3 is the
heaviest neutrino mass. From these results, we conjecture a form for the mass
matrices of charged lepton and neutrino which are described by the universal
Yukawa coupling with small violations.
