1995 Lincoln Cent. How Would This Grade?

I'll say MS-65.

Your input is valued. I agree that is a problem area.
I would like to ask you to reference PCGS cert#43246666 of this same coin and rationalize to me how the dinged up rims pull a MS68. Just as distracting as the impairment on my example, no? If not,please explain so I can improve my observations.
Also PCGS cert # 43246668. Split Plating and distracting DDD.
I am on a learning curve. Thanks.

Yes John1, it is FS-101.

your photos are not sharp enough and too much glare to see any surface issues to compare to that coin. the grades listed here are the best guesses based on these photos

here are just a couple areas that I see. these may not be there but no way to tell based on your photos

scratch from forehead to in front of ear
scratch half way down lapel
rim scuff marks
field mark/scuff, missing luster or lamination issue above R in LIBERTY
something going on under STATES maybe lamination issue
field discoloration on both sides in some areas.

these coins are very challenging to photograph even the best photographers have a challenge with them not sure why, but its not your fault. I think lighting has a lot to do with it. you can't use any overhead light or flash as it alters the surfaces and what we see.
dont give up keep trying.

based on these photos it does have a shot at 65RD. I don't think it can go higher than that though

That's a DDO #1 - nice coin!

Try moving your light further away from the coin. I think it's oversaturating the pictures. It's easy to pick out every little flaw and probably not an accurate representation to what you see in hand. That said...

The coin has some normal strike issues prevalent in most Zincolns. I see split plating, especially in the fields near the rims. There appears to be a broken linear plating bubble below the A. My biggest concern/distraction are the rims. For these that's actually the first place the coins wear. Right obverse right field between 12-5 oc looks like it met some sandpaper. Looks to have a stain above LIBERTY and several other minor ticks. Minor reverse fly specks.

The reverse is quite nice, minimal column/steps ticks, very well struck. So well, it tore away metal near the rim creating splits. You can see the radial die flow lines where the metal was stretched. Even without better pictures... 63RD

I'll chime in here. The PCGS coin has absolutely blazing/reflecting luster, extremely clean fields and the devices are virtually free of hits. Amazingly, it has no distracting plating bubbles or splitting. Some minor stains are brought out in the pictures due to the extreme light. Start at 70 and -1 minor distractions and -1 for the rim dings = MS-68.