A semi-empirical operator is obtained for the self-interaction masses of finite-size leptons and quarks. Strong, electromagnetic and weak self-interaction energies are incorporated into the mass operator via the projection operators P1 = |B + Q| and P2 = |2B − Q| which act on the structural (i.e., finite-size particle) quantum states for the fundamental fermions. The neutrino mass eigenvalues support the low-probability (LOW) solution for solar-neutrino oscillations, the charged lepton masses are given accurately to within (δm/m) ∼ 10 −4 , the top quark pole mass is predicted to be 174.241 GeV, and the other quark pole masses are uniformly consistent with experiment. Thus, the form of the mass operator may provide guidance to a field-theoretic extension of the standard model that embraces finite-size leptons and quarks.