  An effective field theory with hadrons and photons is constructed, where the
hadronic parameters are determined by fitting elastic $\pi$N scattering data.
The predicted pion-induced $\eta$-production on the nucleon agrees well with
the data. The hadronic model is then used to describe the final-state
interaction in photoinduced processes. We present a consistent description of
pion photoproduction in the E$_0^+$-channel and of the total cross sections for
photoinduced $\eta$-production on the proton as well as on the deuteron.
