We construct the complete effective chiral pion-nucleon Lagrangian in
the presence of virtual photons to one loop. As an application, we con
sider strong and electromagnetic isospin violation for scattering of n
eutral pions off nucleons. We show that for the scattering lengths the
se isospin violating terms are of the same size as the purely hadronic
ones. We also analyze isospin-violating effects for the sigma-term. T
hese can be as large as 10% for the absolute value but are negligible
for the shift to the Cheng-Dashen point. (C) 1998 Elsevier Science B.V
.