S.pneumoniae (most common), S.aureus (eps.post influenza), Mycoplasma & Chlamydia (esp. in young & healthy), H.influenzae & Moraxella catarrhalis (esp in COPD), Legionella (esp in elderly, smokers, ↓ Immunity, TNF inhibitors), Klebsiella & other Gram-negative Rods (esp alcoholics and aspiration)