Luster is some of the nicest I've seen on a pre-1920's penny. It has one ding under the N on the reverse that likely holds it back from MS-66 I think it's got the luster to make 66 minus that mark.
you are lucky.........I've been looking for a 65 pcgs or ngc slabbed but they are higher than that. I think I'm going to just go to the coin show in Maryland next month and sit for awhile and cherrypick (or at least try to).
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