First off, the 1909-O Quarter is pricey. Such a coin almost requires a spirited debate as to the grade.
The spread of $600+ between VF and XF is the reason. EVEN a VF-20 without problems is tough to find.
Going just by the photo I think that it is problem-free. It exhibits the typical weakness of a New Orleans
That being said, I must come in at VF30 or VF-35. I especially like the sharpness of the arrowheads on the reverse.
And of course, "market" grading might push the grade to XF-40. Still, I an conservative.
If I were concentrating on a higher mid-grade quarter collection this example would attract my attention.
If I had this quarter and I wanted to sell it, well, I'd go to ANA
for a grade. ( ANA
does circulated grades better than NCG and PCGS
in my opinion.)
And if YOU own it, cjspearsdog, then I am envious of you!
Oops! It is a 1900-O!
Spread of $45+ but the same opinion applies.
What a difference rarity of survivorship involves.