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It's plated. Clad quarters show a copper layer. 40% hasn't been used since 1976 on quarters. If you feel differently then send it to PAUL.
The Mint has not used 40% silver planchets since 1976. If this was a 90% silver planchet as was used for the Silver Proof issue during the State / Territory Commemorative quarters series, it would weigh 6.25 grams. What you have is most likely a Copper-Nickel coin that was plated. The weight of the plating is so small such that it could only be detected on a very sensitive analytical scale.
I have a 1999P Pennsylvania coin with the same issue. I'm taking it to a coin show as soon as I have the time. I'm thinking plated but I want an expert to look at and handle the coin to be sure.