It is shown that it is possible to account for all three experimental
indications for neutrino oscillations with just three neutrino flavors
. In particular, we suggest that the solar and atmospheric neutrino an
omalies are to be explained by the same mass difference and mixing. Po
ssible implications and future tests of the resulting mass-mixing patt
ern are given. (C) 1997 Published by Elsevier Science B.V.