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cointrackers says mint cond 1895 o worth about $950, so its a great cond high dollar coin!
the worn half I doubt if its worth much due to condition.
The 1895o quarter is worth about $70-$100. I think he looked up the wrong coin. Hard to judge the grade, probably VF, but it doesn't look right.
To me it seem as though the coin is in very good shape. Plus the mint mark seem to be off center of the tale of the eagle and the sides of the o mint mark seen to be very thin. If it were my coin I would take it to a coin show and have a few dealers look at it. I am no coin expert. But comparing your coin to the 1897 the mint mark is center of the tail and the sides of the mint mark are thicker.
When you have a chance, take it to a local dealer. It may grade higher than I previously posted. The O is fine, the color and shadows looked odd.