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It sounds like you have what's called a lamination error. That can happen in a couple of ways, but is most likely caused when a coin blank is punched from the end of a roll of metal stock where part of the cladding was missing. That means one (or sometimes both) sides of the inner copper core are visible.

Lamination errors can bring several dollars from a collector, depending on the coin's quality.

Also remember that the outer cladding is copper-nickel, not silver. Silver hasn't been used in circulating dimes since 1964.

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Q: What is the value of a 1981 P dime with a silver face and copper back?
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