There should be several shareware and/or freeware programs available on the web. Simtel would be a good start. COGS (Computer Oriented Geological Society -- now inactive) had a few DOS programs in their package of free offerings. I know their package is available over the net through one of the geology groups. USGS has some viewers for the DEM format (which is essentially nothing more than x, y, z data). The best Windows-based general package is Surfer from Golden Software -- which is what I have used for years. The generated contours are based on a powerful statistical analysis of the data patterns and the results are generally very close to reality. They do have a downloadable demo on their web-site but I don't know if the demo would handle a dataset of your size.
In searching the web for software, try using keywords such as:
topo, grid, gridding, contouring, USGS, DEM, mapping, download
Also, many of the 3-d enabled cadd programs have facilities for importing x-y-z data and building a mesh -- but not necessarily doing the actual contouring. Also, you might want to contact a local surveyor or a nearby general civil engineering firm -- they usually have facilities for generating and plotting contour maps.