A large theta(mu tau) mixing angle, together with hierarchies in the neutri
no Delta m(2) and in the charged lepton masses, place a significant restric
tion on the textures of the lepton mass matrices. In theories with three li
ght neutrinos, a simple hypothesis leads to a complete list of four zeroth-
order textures for lepton mass matrices is found: three for neutrinos which
naturally yield theta(mu tau) approximate to 1 with vanishing theta(e tau)
and Delta m(.)(2), and one for charged leptons which naturally yields thet
a(mu tau) approximate to 1 with m(e) = m(mu) = theta(e tau) = 0. These text
ures provide suitable starting points for constructing theories which accou
nt for both atmospheric and solar neutrino fluxes. Using flavor symmetries,
two schemes for such lepton masses are found, and example constructions ex
hibited. (C) 1999 Elsevier Science B.V. All rights reserved.