I have a tendency to agree with the second guy... but I'm a "coin rookie" also, so we'll see what the others have to say.
i was leaning towards the second guy as well, i thought that the way they were stored probably made the memorial from another coin shadowed on this one.
haha no, i dont get my advice from him...i should have sold it to him he said to me its worth 8 bucks!
I posted a similar Penny a few weeks back. If you'd like, take a look at my post. http://www.cointalk.com/t208426/ It's post-mint damage for sure. I posted it more or less to get an opinion on how this happens.