utf-8 in mysql but not outputting as utf-8 on web

I'm inserting some info into a mysql table which has the charset set to utf-8. When I do a select via the command-line from mysql, it looks like this: Clams and mussels with Dijon-crème fraîche-saffron sauce assuming this is coming out in your email client ok, it should look good. On a web page, I set the charset to utf-8 via: header("Content-type: text/html; encoding: UTF-8"); as the top-line I then do a select for this field and it outputs like this in the browser: Clams and mussels with Dijon-crème fraîche-saffron sauce I'm familiar with html encoding. As this is going to go to XML, I wanted to see if I could keep it in the native format. Am I doing something wrong on the web side why I won't display this correctly? Is there some Apache config I need to be aware of? thanks, jonathan