http://www.postgresql.org/docs/8.1/interactive/manage-ag-templatedbs.html (see last comment), I haven't checked it myself as I usually have a mix of locales in my installs (often even in a single db) and never really used any "default", but it should still work.
using template1 requires exclusive access to cluster. I cannot force all users to log out while creating new db. So using template1 is not possible.
Andrus.
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