If it is a Morgan and dated in the 1890s, chances are that it is rare. The 1896 is the exception to that rule as per "Coin Facts". Other not so rare years include 1897, 1898-O and 1899-O. You will however find a rare 1899-O among these web pages. Its rarity is due to the fact that it is a mint error. Click through these pages and have a look.