We construct the complete effective chiral pion-nucleon Lagrangian in the
presence of virtual photons to one loop. As an application, we consider strong
and electromagnetic isospin violation for scattering of neutral pions off
nucleons. We show that for the scattering lengths these isospin violating terms
are of the same size as the purely hadronic ones. We also analyze
isospin-violating effects for the σ--term. These can be as large as 10%
for the absolute value but are negligible for the shift to the Cheng-Dashen
point.Comment: 13 pp, LaTeX, uses epsf, 1 fi