import  java.io.*;
 import  javax.servlet.*;
 import  javax.servlet.http.*;
 import  java.sql.*;
 import  java.util.Properties;
 import  oracle.jdbc.driver.OracleDriver;

 public   class  UnloadCLOB  extends  HttpServlet
{
     
      public   void  service (HttpServletRequest request, HttpServletResponse response)
      throws  ServletException, IOException
	 {
         String line;
	     response.setContentType("text/xml; charset=Windows-1251");
	     response.addHeader("Content-Disposition", "attachment; filename=Policy.xml");
           
                Connection conn =  null ;
		 ResultSet resultSet =  null ;
		 Statement statement =  null ; 
		  try  {
		    	
	      Class .forName("oracle.jdbc.driver.OracleDriver");
	     String query = "select * from clob_test where id=3";
     	     conn = DriverManager.getConnection("jdbc:oracle:thin:@host:1521:sid","user", "password");
	     statement = conn.createStatement(ResultSet.TYPE_SCROLL_INSENSITIVE,ResultSet.CONCUR_READ_ONLY);
	     resultSet = statement.executeQuery(query);
                resultSet.first();
                Clob clob = resultSet.getClob( 1 );	
                Reader in = clob.getCharacterStream();
	     PrintWriter out = response.getWriter();
                BufferedReader br =  new  BufferedReader(in); 
	     out.println( out.getCharacterEncoding())
			     do 
                  { 
                    line = br.readLine();
	           	    out.println(line);
			      }
                while  (line !=  null ); 
             	 }
		  catch  (ClassNotFoundException e)
		     {
			    e.printStackTrace();
		     } 
		  catch  (SQLException e) 
			 {
			    e.printStackTrace();
		     }	       
  
	 }

ResultSet rs = ...;
//Clob c = rs.getClob(1);  //не используем клоб
 byte [] data = rs.getBytes();  //вернет данные как есть

//а затем что угодно с ними делать:
String xml =  new  String(data);
//и т.п.

                Clob clob = resultSet.getClob( 1 );	
                Reader in = clob.getCharacterStream();
	     PrintWriter out = response.getWriter();
                BufferedReader br =  new  BufferedReader(in); 
	     out.println( out.getCharacterEncoding())
			     do 
                  { 
                    line = br.readLine();
	           	    out.println(line);
			      }
                while  (line !=  null ); 
...  

out.println(clob.getSubString( 1 , ( int )clob.length()));

 String Encoded =  new  String(FromClob.getBytes("Windows-1251"),"UTF-8");

Writer