  A phenomenological theory of fermion masses and mixings is constructed within
the framework of a four- family symmetry. It is found that the most favored set
of relevant CKM elements are $|V_{us}|\approx 0.222$, $|V_{cb}|\approx 0.044$,
$|V_{ub}/V_{cb}|\approx 0.082$, $|V_{ud}|\approx 0.974$, $|V_{cs}|\approx
0.9736$, $|V_{cd}|\approx 0.224$ with $\hat{B}_K \approx 0.8$. The top quark
mass is predicted to be 258 GeV at 1 GeV with its physical mass approximately
equal to 153 GeV. The Majorana scale associated with the fourth neutrino is
bound from above to be 6.4 TeV.
