(defun set-terminal-encoding (encoding)
  #-(and ccl (not swank)) (declare (ignore encoding))
  #+(and ccl (not swank))
  (mapc (lambda (stream)

          (setf (ccl::stream-external-format stream)
                (ccl:make-external-format :domain nil
                                          :character-encoding encoding
                                          :line-termination
                                          #+unix :unix
                                          #+windows :windows
                                          #-(or unix windows) :unix)))
        (list (two-way-stream-input-stream  *terminal-io*)
              (two-way-stream-output-stream *terminal-io*)))
  (values))

(set-terminal-encoding :iso-8859-1)