Sounds to me like an HTML problem, if you can see the characters correctly in, say, phpadmin, that would mean that the database is storing and retrieving them correctly.
Your HTML code has to tell the browser which character set it is using, a line in the <head> section such as this
<meta http-equiv="Content-Type" content="application/xhtml+xml; charset=utf-8" />
might help. (the xhtml+xml bit may not be applicable to your site, you may have to investigate the alternatives).
Of course, if your site is already correctly displaying utf-8 characters (characters which did not come from mySql), then probably the html is not at fault...