I just got back from a local coin shop...he has been in business for about 40 years.....he said its absolutely an error.....a "die chip" error......he said when a coin is struck it softens and raises the metal up and the a "die" comes down on the coin to give the raised effect and when the die is pulling up a chip fell onto it creating this error?......I don't know much about the coin making process so I might be off a little bit with how I described it but this older gentleman really knows his stuff.......so what does everyone think now that I have more info?.....I am still waiting for my sister to come over with her camera so I can take some better pictures of it.....