Wow...a 20-cent piece that's not an 1875-S. I'll be darned. And in nice shape, too! Definitely EF. Great coin.
With all those references to ANA grading guides, it is very obvious. I've said this before, and I'll take the opportunity to say this again -- it matters not what grading standard you use, provided you have the skill to (a) price coins, and (b) translate your own grading standards into the other commonly-used ones.