  A complete set of Higgs and matter superfields is introduced with
well-defined SO(10) properties and U(1) \times Z_2 \times Z_2 family charges
from which the Higgs and Yukawa superpotentials are constructed. The Higgs
fields solve the doublet-triplet splitting problem, while the structures of the
four Dirac fermion mass matrices obtained involve just six effective Yukawa
operators. The right-handed Majorana matrix, M_R, arises from one Higgs field
coupling to several pairs of superheavy conjugate neutrino singlets. In terms
of 10 input parameters to the mass matrices, the model accurately yields the 20
masses and mixings of the lightest quarks and leptons, as well as the masses of
the 3 heavy right-handed neutrinos. The bimaximal atmospheric and solar
neutrino vacuum solutions are favored in this simplest version with a moderate
hierarchy in M_R. The large mixing angle MSW solution is obtainable, on the
other hand, with a considerably larger hierarchy in M_R which is also necessary
to obtain baryogenesis through the leptogenesis mechanism.
