Team Site template :Bi –directional.--> a simple site template designed to help a group of people (a team?!?!) work together to exchange information and ideas.
Team site is a basic blank site with few extra list templates like announcements, task list etc. This is generally used for intranet application like employee portal. The team site is available both in moss and wss.
Publishing site : Uni-directional. à it is one way and more over we can use this for internet sites and it is have some extra features than team site.it is mostly developed by the custom page layouts.
Publishing site is used mostly for internet facing sites where there is need to create update delete webpages quickly. This template is available only in moss.
And if u want create sub site as publishing site the main site collection should be publishing site .
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