The three main factors to determining your note's value are condition, condition, and condition. If it has more than a few folds, it will be worth only a few dollars over face value. If it looks nice (meaning it is not heavily soiled or stained and there are no penmarks or obvious tears), that would enhance the overall value, but value is mainly determined by how worn it is. The only way it could be really beaten up and still be worth a fair bit is if the signatures are Osborne-Towers. That's the rarest signature combination. All other signature combinations are common.
If you need more information, please post the serial number (and lettered prefix) plus the signature combination. A picture would help too.