Textures for neutrino mass matrices

We give a classification of heavy Majorana neutrino mass matrices with up to three texture zeros, assuming the Dirac masses of the neutrinos to be of the same form as the ones of the up quarks in the five texture zero solutions for the quark matrices. This is the case for many unified and partially unified models. We find that it is possible to have solutions which account for the solar and atmospheric neutrino problems as well as the COBE observations simultaneously, and we motivate the existence of such solutions from symmetries.