For the umpteenth time, this is not heat. 95 had a problem with the electroplating. I have several of these that came out of unc string rolls. They can be found in other years but 95 seems to be worse. There is no way someone heated up several 95s one at a time with a cigarette lighter and put them in unc rolls. http://goccf.com/t/407096
I'm with Cujohn on this one, and have posted to that effect previously. The cigarette lighter theory is just, well, silly.
I have found far too many of these cents in rolls for them to be the work of vandals. None of the coins I've found have had any evidence of carbon/soot on them, which would almost certainly be present with a butane lighter approach. (Not to mention the question of mechanics. How exactly does one hold a cent in a bar with a lighter on it long enough to bubble off the copper plating on both sides and not burn one's fingers? Go ahead, try it. I'll wait. )
A car cigarette lighter would apply heat evenly to an entire side but many of these coins show plating issues more in the center and less towards the rim.
Also, close inspection shows no signs of heat related bubbling or blistering of the plating material.
This coin displays clear evidence of split plating all around the inside of the rim which suggests some type of problem with the electroplating process.
Further, the arced disturbances under LIBERTY and on Abe's shoulder are inconsistent with the heat theory as are the small round areas on the reverse near ONE CENT.
I'm not expert enough to opine on the cause of this recurrent phenomena, but suspect this is likely related to incomplete washing of chemicals used to clean the blank prior to plating, FWIW.
@Cujohn: What you find it is not the electroplating, it is the very old rhetoric drying machine and was use pre 1990. After was an band. And The electroplating demand two main thinks: 1. Anode and 2. Cathode and it is done in an special ions moving solution.
I agree that if the planchets are not point clean and dry the plating could detached, foliate on also not attached to the material.
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