Problem displaying special characters

I just bumped to a problem:
When I display HTML file trough my Apache server (localhost) at local machine, I can’t get some special characters (Serbian, Croatian, Slovenian) correctly displayed.
On the other hand, when I look same HTML file outside localhost I am getting everything as it should be.

Apache 2.0.47
Browser: IE 6.0
OS: XP Pro

All my HTML files have the following meta tag:
<META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=windows-1250">
When I try to set encoding in IE [View/Encoding/Central European (windows)] it works until next refresh.

When I brows Internet I am getting all files just right.
Thank you for answer or even a hint.
Miroslav