What is the value of a wheat penny that only has 195 as its date?

Wheat cents minted during the 1950s were subject to numerous errors resulting from filled or broken dies, so it's doubtful your coin is worth very much.

A filled-die error happens when grease or other crud gets into one of the tiny spaces that form a coin's raised letters and numbers. The crud prevents metal from flowing properly so that letter or number may be weak or even blank. After a few coins are struck the crud gets knocked out of the die and the remaining coins from that die are normal.

Most filled-die errors aren't too valuable but some of the more spectacular ones can sell for quite a bit. One of the most famous is the legendary 1922 "plain" cent. All pennies were minted at Denver that year but a filled die blanked out the "D" mint mark on a handful. The Word plain is used to distinguish them from Philadelphia cents which of course have never had a mint mark.

A broken-die error is sort of opposite; the metal of the die fragments in the region of a letter or number. A common error among late-date "wheaties" happened when dies repeatedly suffered cracks between the letters B and E in LIBERTY, resulting in coins that appeared to have "LIBIERTY" on them.