The atmospheric and solar neutrino oscillation data suggest hierarchical ne
utrino masses with at least one large mixing. The simplest see-saw models f
or reconciling the two features are U(1) extensions of the SM with flavour
dependent gauge charges. I discuss a minimal model of this type containing
two heavy right-handed neutrinos, which have normal Dirac couplings to nu(m
u) and nu(tau) but suppressed ones to nu(e). It can naturally account for t
he large (small) mixing solutions to the atmospheric (solar) neutrino oscil
lation data.