These programs claim to do it (and have trial versions you can try) but they aren't free. I haven't tried them myself so I don't know how well they work.
http://www.snapfiles.com/get/idealphotosorter.html
http://www.styopkin.com/automatic_photo_sorter.html
I went through this same problem a couple of years ago with thousands of pictures from my old point and shoot camera (before I realized that I actually could/should organize them). I ended up just sorting them manually using the "Date Picture Taken" detail option in Windows Explorer. All new photos get automatically sorted by the FinePix Viewer program using the same naming/folder scheme when it downloads new pictures from my camera so I don't have to do it manually any more, but that only works with pictures from the camera - it won't sort images already on the PC's hard drive.
To do the manual sorting, use Windows Explorer to go to the folder(s) where your pictures are stored, then click on View>Choose Details. Scroll down to the bottom of the list and click on the box next to "Date Photo Taken" then click OK. Now, click on the new "Date Photo Taken" column header in the file list to sort them by date. After that you can select groups at a time based on date and move them to individual folders. It's not automatic, but it works. Of course, this method does require that your camera saves date information in the EXIF data of the photos. If not, you can do the same thing with the "Date Created" field.
edit: You can also give
this Google search a try. I don't feel like clicking on all of the links to read the program descriptions...
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