<?
$db = mysql_connect ("localhost","юсер","пасс"); or die ("Нет соединения с хостом");
 mysql_select_db("db",$db);
mysql_query('SET NAMES "cp1251"');  
$INSERT = "INSERT INTO `users`(name) VALUES ('Вася')";
$SQL = mysql_query($INSERT) or die ("Нет такой таблицы");
?>

<?
$db = mysql_connect("localhost","юсер","пасс");
mysql_select_db("db",$db);
 SET NAMES 'utf8'
$INSERT = "INSERT INTO `users`(name) VALUES ('Вася')";
$SQL = mysql_query($INSERT);
?>

<?
$db = mysql_connect("localhost","юсер","пасс");
mysql_select_db("db",$db);
$query = "SET NAMES 'utf8'";
$kod = mysql_query($query);
$INSERT = "INSERT INTO `users`(name) VALUES ('Вася')";
$SQL = mysql_query($INSERT);
?>

<?
$db = mysql_connect("localhost","юсер","пасс");
 mysql_select_db("дб",$db);
$INSERT = "INSERT INTO `users`(name) VALUES ('Вася')";
$SQL = mysql_query($INSERT);
?>