jprine Very nice coin, it would look good in my set. I only need three 1931, 1921 D and 1916 D. I am sure yours a a lot better grade than mine. All mine were either found metal detecting, or bought out of the bulk silver boxes at the coin shops, all except the 1921 and 26 S which I bought recently because of a good deal.
Now for the grade. In most case I am low on my grading. I do think your obverse is F 12, for me the reverse should show a little more of the bands, but could be they are just not showing good on the pic .. and my eyes are not what they use to be. I would still not have a problem calling this a overall F 12.
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