  Instead of right-handed neutrino singlets, the standard model is extended to
include lepton triplets $(\Sigma^+, \Sigma^0, \Sigma^-)$. Each quark and lepton
family may now transform under an anomaly-free $U(1)_X$ gauge symmetry, known
already for many years. A new sequential application is presented, using just
the one Higgs doublet of the standard model, together with two $U(1)_X$ Higgs
singlets. The resulting structure has hierarchical quark and lepton masses, as
well as a viable seesaw neutrino mass matrix.
