consider the maximal U(3) horizontal scheme as a handle on fermion mas
ses and mixings. In particular, we attempt to explain the large top qu
ark Yukawa coupling and the masses and mixing in the two heaviest gene
rations. A simple model is constructed by enlarging the matter content
of the standard model with that of a 10+<(10)over bar>pair of SU(5).
The third generation particles get their masses when U(3) is broken to
U(2). The top quark mass is naturally of order one. Bottom and tau ma
sses are suppressed because of a hierarchy in the effective Yukawa cou
plings and not from the hierarchy in the Higgs doubler vacuum expectat
ion values. The hierarchy is a consequence of the fact that the partic
le spectrum contains an incomplete vectorlike generation and can come
from hierarchies between scales of breaking of different grand unified
groups. Hierarchies and mixings between the second and third generati
ons are obtained by introducing a single parameter epsilon' representi
ng the breaking U(2)-->U(1). As a consequence, we show that the succes
sful (and previously obtained) relations V(cb)approximate to m(s)/m(b)
approximate to root m(c)/m(t) easily follow from our scheme. [S0556-2
821(98)01403-9].