Thanks to all of you, this probably explains why our fish are hiding too!
We actually saw a heron standing beside our pond, and we chased it off - don't know whether it actually got any fish, because they usually hide very quickly when we approach the pond anyway, so I can't imagine the heron would have got very lucky- there is plenty of cover (water lilies) and loads of hiding places (big rocks with big gaps to hide in) but what we couldn't understand is why they hide for so long; they must be really spooked!
We're pretty sure they are still (nearly) all there, since they still eat the usual amount of food, but instead of eating it in broad daylight, they wait until it's dark now. We probably have well over 50 fish and they're breeding well so we are confident they're comfortable in general.
I had the idea (urban myth?) that fish had a short memory, so I was surprised how long they're taking to get over their fright from the heron... it's about a week now and they're still very timid... what makes it so surprising is that yes, they always "splash and dash" for cover when we approach, but they're usually back out again a few minutes later, even after something more disturbing like using a net to tidy up the pond - but after a heron visits, they're hiding for days, even on the sort of sunny days when they would normally be out sunning themselves! Can they recognise a heron, and remember for so long?
Dan.