It is nice original coin and I like it. Incredibly Eugene, we can still possibly find those rarely in roll searches. I have found about 35 of them this year, about three weeks ago my 8 years old daughter found a 1913 dated coin - and kept it for herself.
Yes! It's incredible! A few years ago my aunt (she is an American and lives in New York) got this coin in a shop. But it is a silver quarter!!!
Just one more opinion but I would grade this as VF35. To me, I see much more wear on the obverse, especially the hair detail, but would agree that the reverse might be in XF condition. Since the obverse is weighted more on the overall grade, again I'd give it a VF35. I will admit to being a tough grader, especially on my own coins.