The coin has a lot of hair detail, but the surfaces look like a Fine to me. I voted F-15. I imagine that this coin is in a VF-20 or 25 holder.
PCGS called it VF-20. I was at F-15 on this one. NGC called this coin F-15 when I sent it in, and PCGS called it VF-25. This is what a VF should look like.