Input '&' symbol causing SystemID Unknown error

Folks,

My input XML <entry></entry> values are containing '&' input symbols, e.g. "...<entry>Texas A&M</entry>", which results in errors as follows. I am reading the XML input from a SQL database, and thus appear as input CLOBs, so no specification is being set on the input charset. Any ideas how to resolve?

Thanks,
OSC

Reported Error:

  SystemId Unknown; Line #1; Column #5383; The reference to entity "M" must end with the ';' delimiter.

Source Code:

public class ChatEncoder {
...
   public static void encodeHTML(Clob clob, Writer out)
      throws SQLException, IOException, TransformerException, TransformerConfigurationException
   {
      TransformerFactory tFactory = TransformerFactory.newInstance();
      StringReader sr = new StringReader(XSLT_RAW);
      StreamSource ss = new StreamSource(sr);
      Transformer transformer = tFactory.newTransformer(ss);
      
      transformer.transform(
               new StreamSource(getClobReader(clob)), 
               new StreamResult(out));
   }

...
}

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