The quarter-dollar here is an 1862, from the year that American coinage had stopped circulating (or virtually so) because of the Civil War. The circulating career of this quarter, then, can reasonably be dated to about 1875 or so, rather than its 1862 date.
1862. A very old Civil War veteran, perhaps stopping for a night on his train journey to see a battlefield of his youth—and perhaps to do so for the final time—might plunk this coin on a countertop and then spotting its date, pick it up again for old times’ sake.
Or perhaps almost anyone in 1920 would have picked up this 1862 quarter-dollar as a souvenir. The Great War of 1914-18 had in many minds pushed the Civil War into ancient history. But even if it hadn’t, to the folks walking this Midwestern town in 1920, the street full of motorcars would have made 1862 seem very long ago indeed.
