I recently installed a residential service in Southern Ga. It consisted of a 200A Meter Center with a 200A Service disconnect, and provision for 4 - 2 pole breakers, FEED-THRU design. I set a 42 ckt 200A MLO panel in the house. I was turned down on inspection because I did not have a main breaker in this panel. The inspector reasoned that this was the MAIN panel for the house, so it must have a MAIN breaker in it. Although he could not cite a specific code reference, he assured me that this was a requirement of NEC