Laws like that vary from state to state.
In PA yes i can........the thing is, you better be ready to spend a whole lot of money defending yourself if you do. I use to be an assistant instructor at a conceal carry course at the local indoor range and gunshop where i worked, one thing we did was to invite the local DA in to review and teach the laws regarding the taking of a life in self defence for the state of PA. One thing ive learned, nothing is clear cut, and if the DA in your area has an "issue" with gunownership, he can (if he chooses) make your life miserable.
All that said, I live by the motto Better to be judged by 12, then carried by 6.
To answer your question is it loaded, Break into my house and put the security of my family at risk, and you'll find out.