An effective texture is presented for six Majorana conventional neutrinos (three active and three sterile), based on a 6 × 6 neutrino mixing matrix whose 3 × 3 active-active component arises from the popular bimaximal mixing matrix of active neutrinos ve, vμ, vr by three small rotations in the 14, 25, 36 planes of v1, v2, v3 and v4, v5, v6 neutrino mass states. The Dirac component (i.e., 3 × 3 active-sterile component) of the resulting 6 × 6 neutrino mass matrix is conjectured to get a structure similar to the charged-lepton and quark 3 × 3 mass matrices, after the bimaximal mixing, specific for neutrinos, is transformed out unitarily from the neutrino mass matrix. The charged-lepton and quark mass matrices are taken in a universal form constructed previously by the author with a considerable phenomenological success. Then, for the option of m12 [not asymptotically equal to] m22 [not asymptotically equal to] 23 very much greater than m42 [not asymptotically equal to] m52 [not asymptotically equal to] m62 0, the proposed texture predicts oscillations of sol ve's with Δmsol2 equivalent Δm212 [similar to] (1.1 to 1.2) × 10-5 eV2, inconsistent with the LMA solar solution, if the SuperKamiokande value Δmatm2 equivalent Δ322 [similar to] (3 to 3.5) × 10-3 eV2 for oscillations of atmospheric vμ's is taken as an input. Here, sin2 2θsol [similar to] 1 and sin2 2θatm [similar to] 1. The texture predicts also an LSND effect with sin2 2θLSND [similar to] (1.4 to 1.9) × 10-11 (eV/m1)4 and ΔmLSND2 equivalent Δm252 [similar to] m12+(1.1 to 1.2) ×10-5 eV2. Unfortunately, the Chooz experiment imposes on the LSND effect (in our texture) a very small upper bound sin2 2θLSND approximately less than 1.3 × 10-3, which corresponds to the lower limit m1 approximately greater than (1.0 to 1.1) × 10-2 eV.