The law allows carry with a round in the chamber, as long as you have a Georgia Weapons Carry License or the older Georgia Firearms License. The law as to where you can carry (with the license) may be a bit confusing. I would suggest reading the original Statute 16-11-120.
I was looking under 16-11-132 which states:
§ 16-11-132. Possession of handgun by person under the age of 18 years
(a) For the purposes of this Code section, a handgun is considered loaded if there is a cartridge in the chamber or cylinder of the handgun.
THat was the only place I could find any information about loaded carry.
However when you look at 16-11-125.1 it states:
§ 16-11-125.1. Definitions
As used in this part, the term:
(1) "Handgun" means a firearm of any description, loaded or unloaded, from which any shot, bullet, or other missile can be discharged by an action of an explosive where the length of the barrel, not including any revolving, detachable, or magazine breech, does not exceed 12 inches; provided, however, that the term "handgun" shall not include a gun which discharges a single shot of .46 centimeters or less in diameter.
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So as you have stated, according to law it does look as if I can, and would even lean that way. However it has been my experience where I live that I tend to get different answers from different police officers when asked. The main problem I see is, is no where in the entire statue that I have been able to find does it actually come out and specifically say, a CCP holder can carry a loaded handgun. As with most laws I error on the side of caution, plus as I said, I do reduce the risk of shooting myself in the foot while attempting to unholster if my safety snags and there is an accidental discharge.