Prestor,

That's an interesting question. I guess I would say heresy is a doctrinal matter, where at least one party involved has fallen into theological error; schism might not necessarily involve theological error. I could see schism arising from lack of orthopraxy as well as lack of orthodoxy, as when a church splits over money or power issues.

This article might be of interest:

http://www.layman.org/layman/the-layman/2001/no5-october01/page-two-october-01.htm

I hope this finds you doing OK physically--may the Lord bless.

Theo