I think everyone on this site needs to get familiar with coin grades before they start grading other people's coins and throwing around numismatic terms. I usually see WAY over-estimated grades on coins, when it is obvious that folks have never seen a grading guide, purchased an expensive coin (where a few points grade-wise meant a big swing in price tag), or know quite what they're talking about. (So in this respect, an ultra-conservative grade of XF in this case is refreshing). Sorry, and I do apologize to buscadero, but it is a peeve of mine. I can't tell 100% clearly from the photo, but it looks like there is very little--if indeed ANY wear on the half dollar. THIS IS A SPECTACULAR COIN!!!!!!!!!! I only have a grading guide from 1993 at my fingertips right now, and back then the coin would've been worth $700-$800. I hope you send this one in to be professionally graded. It will be well worth it as long as it isn't field cleaned or scratched in any way (thereby securing only a "net" grade). This beauty is at least an AU-55, if not higher. My hunch, judging from the frosty sheen on the coin, is that it is MS-60 or above.
Kudos on a GREAT find!
Buckleboy