That being a key date, the demand will ultimately set the price, but it look like you should get at least 250.00-350.00 for it. Again it will depend on who wants it at the time.
I'm not big on slabbed coins but this one, because of the price, would be a good one to get slabbed in order to get top dollar if your planning on selling.
Got any pictures? Be sure to check for the small S variety. The 1903-S VAM 2 has a large premium over a regular 1903-S.
Make sure that your 1903-S is not a micro-S, because if it is it will be worth about triple. Better yet post a pic an let the pro's here have a look. I am not an expert nor a big collector of Morgans.
Guys I don't have the coin so I can't post pics....I just wanted see how much is a 1903 s morgans in XF codition is worth.That's all.