A complete set of fermion and Higgs superfields is introduced with well-def
ined SO(10) properties and U(1) X Z(2) X Z(2) family charges from which the
Higgs and Yukawa superpotentials are constructed. The structures derived f
or the four Dirac fermion and right-handed Majorana neutrino mass matrices
coincide with those previously obtained from an effective operator approach
. Ten mass matrix input parameters accurately yield the twenty masses and m
ixings of the quarks and leptons with the bimaximal atmospheric and solar n
eutrino vacuum solutions favored in this simplest version.