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All cents from 1895 have an Indian head design, so it's not a penny. What you have described is a Liberty Head nickel. Look at the "V" on the back, then remember what that letter stands for in Roman numerals.

Retail values as of 03/2009:

Very worn condition - $5

Moderately worn - $22

Slightly worn - $47

Almost no wear - $100

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Q: What is the value of a V 1895 penny?
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