How do I resolve this encoding problem with ZipInputStream?

I'm doing a ZipInputStream request on a UTF-8 encoded zip file.

I get the data through OK, but special German characters are coming out wrong.

Using this page ( http://kellykjones.tripod.com/webtools/ascii_utf8_table.html ) I can see that my code is printing out the two individual chars from the UTF8 encoding column.

i.e. ä is UTF 0xC3,0xA4, and I am getting ä printed out (which are the 0xC3 and 0xA4 chars). Does anyone have any tips?

    private InputStream downloadCsv(final String countryCode) {
        final String url = baseUrl + countryCode.toUpperCase() + ".zip";
		final String fileName = countryCode.toUpperCase() + ".txt";

		BufferedInputStream in = null;
		ZipInputStream zIn = null;

		try {
			in = new BufferedInputStream(new URL(url).openStream());
			zIn = new ZipInputStream(in, Charset.forName("UTF-8"));
			
			ZipEntry zipEntry;
			
			while ((zipEntry = zIn.getNextEntry()) != null) {
				if (zipEntry.getName().equals(fileName)) {
					StringBuilder sb = new StringBuilder();
					
					int c;
					while((c = zIn.read()) != -1) {
						sb.append((char)c);
						System.out.println((char)c + " : " + c);
					}

					return new ByteArrayInputStream(sb.toString().getBytes());
				}
			}
...
more code
...

For the record, I fixed this using @saka1029s advice, using an InputStreamReader, and would mark it as the accepted answer if I could!

I can't promise my code is the cleanest, but it works now:

		BufferedInputStream in = null;
		ZipInputStream zIn = null;
		InputStreamReader zInReader = null;

		try {
			in = new BufferedInputStream(new URL(url).openStream());
			zIn = new ZipInputStream(in);
			
			ZipEntry zipEntry;
			
			while ((zipEntry = zIn.getNextEntry()) != null) {
				if (zipEntry.getName().equals(fileName)) {
					StringBuilder sb = new StringBuilder();
					zInReader = new InputStreamReader(zIn);

					int c;
					while((c = zInReader.read()) != -1) {
						sb.append((char)c);
					}

					return new ByteArrayInputStream(sb.toString().getBytes());
				}
			}