COMMUTER LTT STARTED TO TAXI WITH THE ACFT NOT LOADED CORRECTLY AS INDICATED ON THE WT AND BAL FORM.

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SCHEDULED DEP WOULD BE IN 20 MINS. I WENT ABOUT MY BUSINESS; DOING MY PAPERWORK. WE HAVE 14 PEOPLE GOING OUT AND 20 PIECES OF LUGGAGE. SINCE THERE IS NO SCALE AT FBO WE USE AN AVERAGE WT FOR EACH PIECE OF LUGGAGE OF 23.5 POUNDS. LATELY; OUR LOADS HAVE NOT BEEN SO GOOD. THIS TIME I TAKE EXTRA TIME CHKING MY PAPERWORK. AN FAA INSPECTOR IS TRAVELING BACK WITH US FOR A LINE CHK. THE PEOPLE ARE LOADED BUT I DON'T SEE THE LINE PERSONNEL ANYWHERE. I WANT TO ASK THEM HOW THEY HAVE LOADED THE AIRPLANE. THE CAPT STARTS #1 ENG PREPARING TO LEAVE; WHILE IN THE BACK; THE RAMP AGENT TELLS ME WE HAVE 3 MORE BAGS AND 1 MORE PERSON. ACCORDINGLY; I CHANGE MY PAPERWORK. I RUN TO THE COCKPIT; WHILE THE CAPT IS STARTING #2 ENG. I ASK GND CLRNC TO TAXI AND THEY TELL ME TO TAXI TO RWY 9. WE ROLL 5 FT AND NOTICE THERE IS NO LUGGAGE IN THE FRONT COMPARTMENT FOR IT IS VISIBLE FROM WHERE I SIT. WE DECIDE TO TURN AROUND AND STOP THE AIRPLANE; UNLOAD PEOPLE AND CARGO; AND CORRECTED THE PROBLEM. CORRECTION ACTION: MORE COORD BTWN FLC AND GND PERSONNEL. FLC PERSONALLY SHOULD CHK LOADING OF THE ACFT AND GIVE CLOSE SUPERVISION.