I've got a 2001 dime, D mint, missing clad layer on obverse, in circulation for about a year. It's normal on the backside. I posted at What's it Worth and got some good info. Then I see that there is this Error Coins forum. Any idea what it's worth? Thanks for helping.
Condition and authenticity are very important to error collectors. I have done a little research, and found that similar coins that are certified as genuine, and graded as uncirculated, have recently sold in the $60 range. Your's is not certified, and probably not an uncirculated example. I would agree with the answer that National Dealer gave you. Possibly, even a little less.